Annuities 101

The Process for Buying an Annuity

Here are the four steps for buying an annuity.

Annuities and Retirement Planning

By Jim Gaines Annuities are an important part of any retirement plan due to the fact that annuities are safe, secure and risk free. An annuity allows you to accumulate funds for retirement on a tax-deferred basis, and upon retirement you will receive income  from the annuity that can be guaranteed by the insurer to Read more >>

The Modernization of American Annuities

The modern annuity has incredible benefits. Discover what they are and how they work.

Annuities: Just How Long Have They Been Around?

By Bill Broich I was asked the other day about the origin of annuities.  Were they created since WWII?  The fact is, annuities have a long history dating back to the Roman Era when they were used as a form of gratification for loyal soldiers. Sometimes the emperor gave land, sometimes an annual stipend, an Read more >>

How Safe is Your Fixed Indexed Annuity?

Running Out Of Money

Each month, millions of dollars are being moved from stocks, bonds, mutual funds, variable annuities, ETFs, 401(k)s, and CDs into Fixed Indexed Annuities. Why? The number 1 reason is SAFETY. But How safe is Your Fixed Indexed Annuity – are you sure it will provide you with enough income to last as long as you live? Should you trust an indexed annuity with your important retirement funds? What happens if an insurance company were to fail? These and other questions are vitally important and the answers may surprise you.

Equity Linked Indexed Annuities (EIAs)

An equity linked indexed annuity is a contract between a person and an insurance company in which the insurance company contractually promises to make periodic payments to the owner of the annuity. In equity indexed annuities, the invested principal and contractual minimum interest rate are guaranteed or fixed, but the annuity’s annual return or crediting Read more >>

Dollar Cost Averaging With Variable Annuities

With some types of variable annuities, you can take advantage of dollar cost averaging ( DCA ). With dollar cost averaging, you make equal purchases at regular intervals. A likely outcome of this strategy is that you end up paying less than the average cost price per unit, on account of the fact that you Read more >>

Fixed Indexed Annuities


What is the definition of an Indexed Annuity? The word annuity has its origins in a Latin term that means annual. Today, an indexed annuity is an investment product sold by insurance companies. Indexed annuities can be purchased through a series of contributions or in one lump sum. The money put into the fixed indexed Read more >>

Annuities: The Good, The Bad And The Confusing

Most of us carry some type of insurance be it health, fire, home or car insurance but how will these protect you against the most serious risk you face in today’s retirement: Out living your assets Purchasing an annuity can be a great way to guarantee your retirement income for as long as you live. Read more >>

A Comprehensive Guide To Annuities And Annuity Investing

By Bill Broich What Are Annuities? In its simplest definition, an annuity is an amount payable annually. For our purposes, however, an annuity describes a contract offered by an insurance company that allows you to accumulate funds for retirement on a tax-deferred basis. Upon retirement, you’ll receive income from the annuity that can be guaranteed by Read more >>

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