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Tag Archives: Jim Poolman
Five Myths about Indexed Annuities: Part 4
All financial vehicles have to cover the provider’s sales and marketing expenses. Over time, the margins built into an annuity to cover commissions are not necessarily higher than the sales and marketing expense margins built into competing financial vehicles. Continue reading
Posted in FAQ, Personal Finance, Product Features
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Five Myths about Indexed Annuities: Part 3
By Jim Poolman Myth: Indexed annuities impose uncharacteristically high surrender fees Truth: Surrender charges, which limit liquidity to an extent, are clearly disclosed, decline over time, and provide a known cost of exit. An annuity owner has no reason to … Continue reading
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Five Myths about Indexed Annuities: Part 2
There are many unique benefits to indexed annuities that make them an important part of any balanced financial plan. More specifically, indexed annuities offer tax-deferred, market linked growth with protection from market downturns. In fact, no indexed annuity purchaser has lost a single dollar as a result of the market’s declines. Continue reading
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Five Myths about Indexed Annuities: Part 1
If you’ve read anything about indexed annuities, chances are pretty good that not everything you’ve read is true. Each day this week, we will tackle a common misconception about indexed products. Keep reading to make sure you’re getting the real facts! Continue reading
Posted in FAQ, Personal Finance, Product Features
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Illinois Securities Department Order in the Matter of Senior Financial Strategies, Inc.
The Indexed Annuity Leadership Council (IALC) strongly adheres to the highest marketing standards and in ethical and fair sales practices for the products that we sell including suitability review, disclosure, training, and consumer education. Continue reading
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Giving Indexed Annuities a Fair Shake
Moderating risk and reward is an important part of building a sound financial plan, but it’s often easier said than done, especially in difficult financial times. While a few have given indexed annuities a bad rap, these insurance products actually have a number of unique benefits, including principal protection, growth opportunity and guaranteed lifetime income, that make them a good retirement planning tool. In order to give consumers accurate information about indexed annuities, nine life insurance organizations and producers have joined together to create the Indexed Annuity Leadership Council (IALC). Continue reading
Posted in Personal Finance
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