DOL And The Three Blind Mice

By Bill Broich The new Department of Labor rule change due in May 2016 will have a devastating effect on the annuity industry, those who sell them and those who buy them. Here is what will be the result of this new exposure with the DOL and the American people. The result will be completely Read more >>

Buy An Annuity And Earn 8%

By Bill Broich I am sure you have seen the ads for these possible rates of returns. In fact, Google to word “Annuity“ and feast your eyes on how much money you can earn by investing in an annuity. Wow, these are very high rates of interest when you consider banks pay 1%, and US Read more >>

New Department Of Labor Forthcoming Rules Redefining Fiduciary Could Be Bad For All

By Bill Broich I have been writing about and watching with great curiosity how the government moves more and more to control most aspects of our lives. The sheer ignorance of the new DOL proposal for new “rules” show a completely deftness towards how we as citizens would even consider living our lives.  Their definition of Read more >>

Solve The Retirement Solution By Climbing A Ladder

By Bill Broich Win the low interest rate war with this easy and safe approach to retirement planning. Planning for retirement?  Confused about what to do?  Should you leave your assets in growth mode or are you ready to run to safety?  These questions have no real right answer, the solution depends on your situation Read more >>

If You Don’t Want To Be A Fool Quit Acting Like One

By Bill Broich Recently, a well-known financial columnist suggested that annuities were a “foolish” choice. He went on to make several points to build support for his position and to gain attention for himself.  This person makes his living by being contrary, by suggesting the normal way of business is not accurate.  He does it Read more >>

The Federal Government And Their Slow Creep Over Our Lives

By Bill Broich At a speech recently SEC Commissioner Luis A. Aguilar suggested the need for more federal government oversight for the annuity industry. Not the variable annuity industry that the SEC currently regulates but the annuity industry managed by each individual state Department of Insurance (DOL). His decision was based on the amount of Read more >>

20 Questions To Ask When Interviewing Annuity Agents

By Bill Broich Finding a competent annuity salesperson is not especially easy. The reason is simple, for many advisors or agents, annuities are a secondary business. Agents specialize in life insurance, long term care insurance and only handle annuities as an add on. Finding a real expert about annuities requires interviewing agents and asking questions. Read more >>

The Next Major Annuity Market Is Massive: Women

By Bill Broich It hasn’t even been that long ago women could not vote in America.  Not only that, there was a time when women were considered “property” of their husbands.  In many parts of the world that is still the case.  Fortunately, in America all are equal, well sort of. But guess what?  Women Read more >>

The Sherriff In Town Comes To The Rescue

By Bill Broich I like Halloween as do most people.  I love to have the kids come to the door and “trick or treat” especially the little ones.  They are so excited and so am I.  Being scared is no fun ion real life especially the fear of the unknown.  When we look at the Read more >>

What Happens To Bonds and Annuities If Interest Rates Rise

Just a simple rate movement over time of 3% (3.25% discount rate) would reduce the actual value of all inforce US Treasuries by as much as 40% of their market value. Think what would happen if interest rates went even higher? Disaster would loom and trillions of dollars would evaporate if these assets were liquidated. Of course there would be a winner: the US Taxpayer. Treasuries would be replaced with a higher earning interest rate bond, but at a far less value a third of its market value of the original bond.

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