The Fixed indexed annuity is a booming business. There are billions annually being converted into these annuities. Fixed indexed annuities garner higher returns than a CD or money market account without giving up security. The Fixed Indexed Annuity is an annuity that allows for market participation without downside risk , and is quickly overshadowing CD’s, […]
Determining Annuity Rates is a daunting task….. For advisers who do not listen intently to their clients. However for advisers who do their job properly, and for their lucky clients, the process is to clearly define the goals, objectives, and timeline, and only then to find the right tool for the job. Focusing on rates […]
Annuities are not bad. But abusive or naïve agents can lead to real trouble. If you are considering the use of an annuity for retirement, there is nothing to be scared of. Save your anxiety for the real problems retirees face like the longevity of social security and Medicare benefits. Choosing an annuity as a […]
In today’s tough economic climate, fixed index annuities may provide you with the security and confidence you are seeking for your retirement savings. The ‘Fixed Index Annuity’ is also known sometimes as an ‘Equity Index Annuity’. Fixed indexed annuities came onto the market in 1995 and have been steadily gaining popularity. Insurance companies are writing […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2009-05-13 18:45:062013-05-21 12:18:07Are Fixed Index Annuities a Good Option For Retirement Savings?
We all know by now that saving for retirement is imperative to enjoying our golden years. But what isn’t always clear is where to invest the money that we save. An annuity through an insurance company or financial institution can be a great vehicle for retirement savings as it offers a long-term contract that makes interest payments.
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2009-05-13 18:20:112015-05-11 12:03:33About The Fixed Indexed Annuity (AKA Equity Index Annuity)
In today’s economy, you are probably wondering where you can find a high-yield investment that is also safe. Internet searches may not provide the answers you seek.
How are you planning for retirement income? What are some of the forces you are up against, and what do you need to be aware of for retirement income when making long term plans?
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2009-03-31 12:30:282012-04-14 22:32:39Retirement Income
Welcome to Annuity Straight Talk. I am an annuity expert and can tell what works and what doesn’t for a given situation. Here you will find advice and tools free of charge to make an informed decision, unbiased by any particular company or product. You need these tools and techniques to determine first whether an […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2009-01-07 10:23:202019-07-10 08:05:04Annuity Straight Talk, Your Annuity Advisor
When shopping annuity companies, we take a slightly different approach to Ronald Reagan’s motto. We believe investors must be critical and learn how to Verify, before Trusting. There are very few people you can trust with your retirement savings when considering annuities, and it only makes sense to learn a few things first. Certainly, don’t […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2008-12-31 09:23:402012-12-13 15:06:32Trust, But Verify
Any investor buying annuities must contend with a barrage of sales pitches, glossy brochures of happy couples walking on beaches, fearful Wall Street Journal articles about Ponzi Schemes and defrauded investors, and worst of all, ill informed friends, neighbors, and other Schmexperts who offer unsolicited and generally uninformed advice when you least expect- or want […]
We think the Annuity Surrender Schedule is the single most important component of an Annuity, and want you to know why. Pay close attention. The annuity surrender schedule tells you how much of your money you can have at any given time. Why do we think this is important? Companies that offer shorter surrender schedules […]
Want to know why we think the Annuity Interest Rate is the most important component of an Annuity, after the Surrender Schedule? There are many annuity rates in contracts. As Annuity contracts are long term, you need to understand what each rate means, and how you can use the various rates published by an Insurance […]
The Free Withdrawal from your annuity is a critical element in your decision process, and any Annuity buyer must carefully consider how they would use free withdrawals, and when. Every annuity contract contains a clause allowing the free withdrawal of a certain percentage of the initial premium each year without a surrender charge. Individual states […]
https://annuitystraighttalk.com/wp-content/uploads/2008/12/shellgame11.bmp281275Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2008-12-27 01:40:172020-04-21 08:40:56Using Free Withdrawals In Annuity Contracts
Annuity Vs CD: Which is Best? Annuity or CD? That answer depends entirely on what you have planned for the money. There are advantages and disadvantages to both methods of saving. And of course there are hybrid CD Type Annuities that offer Higher Yield’s than CD’s, with the tax deferred advantages of an Annuity.
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2008-12-26 15:47:492020-04-21 08:14:55Annuity Vs CD
Want to know the ONLY time to consider a Bonus rate in an Annuity Decision? Many products include attractive bonus interest rates. Some annuities offer bonuses as high as 10% or more just for signing up. Companies lose money on this from the start! To pay for this expensive form of marketing, the insurance company […]
Analyzing the financial strength of a financial institution is the final critical component of your annuity investment process. The four major independent ratings agencies are: A.M. Best Standard & Poors Moody’s Fitch All of these agencies are online and you can find the strength rating they have assigned to each insurance company. It is recommended […]
How Bad Products are Sold to Good People: There is a clever way to spin information in an annuity contract to make it appear safer, more lucrative and less restrictive than it really is. We need to dive in to this subject so that you can see first- hand just how difficult it can be […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2008-12-24 14:04:552012-06-09 18:20:24Case Study - Sales Tactics
Now that we have established the Ground Rules and discussed the Decision Tools for Annuity Analysis, let’s put those tools to good use and examine two annuity products that are popular in today’s market. We’ll simply call these Annuity A and Annuity B. I assure you, these are actual products that are being sold […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2008-12-24 13:46:282012-06-09 18:20:25Case Study - Annuity A Vs Annuity B
Certificates of Deposit or CDs are a great place to put money, right? Well, the answer depends on if you are the bank or the customer. As a customer you give the bank your money and agree to leave it there, at the risk of a penalty, for a certain period of time, usually anywhere […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2008-12-23 17:22:372012-03-20 21:59:42Annuity Vs CD| Are You Losing Money, Safely?
So you’re looking for high yield safe investments for your retirement…. What are your options? If you look hard enough at the best search engines on the web or in the classified pages of newspapers, you will find investment offerings like tax liens and private real estate investment note offerings yielding 8% to 12% or […]
https://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.png00Bryan Andersonhttps://annuitystraighttalk.com/wp-content/uploads/2016/11/annuitystraighttalk_onwhite_Small.pngBryan Anderson2008-12-23 17:17:292013-05-13 16:05:15Annuities: High Yield Safe Investments
Fixed Indexed Annuity
/in Fixed Index Annuity /by Bryan AndersonThe Fixed indexed annuity is a booming business. There are billions annually being converted into these annuities. Fixed indexed annuities garner higher returns than a CD or money market account without giving up security. The Fixed Indexed Annuity is an annuity that allows for market participation without downside risk , and is quickly overshadowing CD’s, […]
Annuity Rates
/in Annuity and Retirement Income Articles /by Bryan AndersonDetermining Annuity Rates is a daunting task….. For advisers who do not listen intently to their clients. However for advisers who do their job properly, and for their lucky clients, the process is to clearly define the goals, objectives, and timeline, and only then to find the right tool for the job. Focusing on rates […]
Annuity Scams
/in Annuity and Retirement Income Articles /by Bryan AndersonAnnuities are not bad. But abusive or naïve agents can lead to real trouble. If you are considering the use of an annuity for retirement, there is nothing to be scared of. Save your anxiety for the real problems retirees face like the longevity of social security and Medicare benefits. Choosing an annuity as a […]
Are Fixed Index Annuities a Good Option For Retirement Savings?
/in Fixed Index Annuity /by Bryan AndersonIn today’s tough economic climate, fixed index annuities may provide you with the security and confidence you are seeking for your retirement savings. The ‘Fixed Index Annuity’ is also known sometimes as an ‘Equity Index Annuity’. Fixed indexed annuities came onto the market in 1995 and have been steadily gaining popularity. Insurance companies are writing […]
About The Fixed Indexed Annuity (AKA Equity Index Annuity)
/in Fixed Index Annuity /by Bryan AndersonWe all know by now that saving for retirement is imperative to enjoying our golden years. But what isn’t always clear is where to invest the money that we save. An annuity through an insurance company or financial institution can be a great vehicle for retirement savings as it offers a long-term contract that makes interest payments.
Safe Investments
/in Annuity and Retirement Income Articles /by Bryan AndersonIn today’s economy, you are probably wondering where you can find a high-yield investment that is also safe. Internet searches may not provide the answers you seek.
Retirement Income
/in Annuity and Retirement Income Articles /by Bryan AndersonHow are you planning for retirement income? What are some of the forces you are up against, and what do you need to be aware of for retirement income when making long term plans?
Annuity Straight Talk, Your Annuity Advisor
/0 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonWelcome to Annuity Straight Talk. I am an annuity expert and can tell what works and what doesn’t for a given situation. Here you will find advice and tools free of charge to make an informed decision, unbiased by any particular company or product. You need these tools and techniques to determine first whether an […]
Trust, But Verify
/0 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonWhen shopping annuity companies, we take a slightly different approach to Ronald Reagan’s motto. We believe investors must be critical and learn how to Verify, before Trusting. There are very few people you can trust with your retirement savings when considering annuities, and it only makes sense to learn a few things first. Certainly, don’t […]
Buying An Annuity: 5 Critical Decision Tools
/in Annuity and Retirement Income Articles /by Bryan AndersonAny investor buying annuities must contend with a barrage of sales pitches, glossy brochures of happy couples walking on beaches, fearful Wall Street Journal articles about Ponzi Schemes and defrauded investors, and worst of all, ill informed friends, neighbors, and other Schmexperts who offer unsolicited and generally uninformed advice when you least expect- or want […]
Annuity Surrender Schedule
/0 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonWe think the Annuity Surrender Schedule is the single most important component of an Annuity, and want you to know why. Pay close attention. The annuity surrender schedule tells you how much of your money you can have at any given time. Why do we think this is important? Companies that offer shorter surrender schedules […]
Annuity Interest Rates
/0 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonWant to know why we think the Annuity Interest Rate is the most important component of an Annuity, after the Surrender Schedule? There are many annuity rates in contracts. As Annuity contracts are long term, you need to understand what each rate means, and how you can use the various rates published by an Insurance […]
Using Free Withdrawals In Annuity Contracts
/in Annuity and Retirement Income Articles /by Bryan AndersonThe Free Withdrawal from your annuity is a critical element in your decision process, and any Annuity buyer must carefully consider how they would use free withdrawals, and when. Every annuity contract contains a clause allowing the free withdrawal of a certain percentage of the initial premium each year without a surrender charge. Individual states […]
Annuity Vs CD
/0 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonAnnuity Vs CD: Which is Best? Annuity or CD? That answer depends entirely on what you have planned for the money. There are advantages and disadvantages to both methods of saving. And of course there are hybrid CD Type Annuities that offer Higher Yield’s than CD’s, with the tax deferred advantages of an Annuity.
Bonus Rates
/0 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonWant to know the ONLY time to consider a Bonus rate in an Annuity Decision? Many products include attractive bonus interest rates. Some annuities offer bonuses as high as 10% or more just for signing up. Companies lose money on this from the start! To pay for this expensive form of marketing, the insurance company […]
Annuity Companies: Corporate Credit
/0 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonAnalyzing the financial strength of a financial institution is the final critical component of your annuity investment process. The four major independent ratings agencies are: A.M. Best Standard & Poors Moody’s Fitch All of these agencies are online and you can find the strength rating they have assigned to each insurance company. It is recommended […]
Case Study – Sales Tactics
/0 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonHow Bad Products are Sold to Good People: There is a clever way to spin information in an annuity contract to make it appear safer, more lucrative and less restrictive than it really is. We need to dive in to this subject so that you can see first- hand just how difficult it can be […]
Case Study – Annuity A Vs Annuity B
/1 Comment/in Annuity and Retirement Income Articles /by Bryan AndersonNow that we have established the Ground Rules and discussed the Decision Tools for Annuity Analysis, let’s put those tools to good use and examine two annuity products that are popular in today’s market. We’ll simply call these Annuity A and Annuity B. I assure you, these are actual products that are being sold […]
Annuity Vs CD| Are You Losing Money, Safely?
/0 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonCertificates of Deposit or CDs are a great place to put money, right? Well, the answer depends on if you are the bank or the customer. As a customer you give the bank your money and agree to leave it there, at the risk of a penalty, for a certain period of time, usually anywhere […]
Annuities: High Yield Safe Investments
/0 Comments/in Annuity and Retirement Income Articles /by Bryan AndersonSo you’re looking for high yield safe investments for your retirement…. What are your options? If you look hard enough at the best search engines on the web or in the classified pages of newspapers, you will find investment offerings like tax liens and private real estate investment note offerings yielding 8% to 12% or […]