Examine the different types of annuities and see if an annuity is the right fit for your retirement portfolio.

To Be Or Not To Be: What Is An Annuity?

Guarantees or a future guess, which would you choose? Annuities are annuities, right?  The term annuity when used as a noun can mean two entirely different products. According to Investopedia, the definition of an annuity is: An annuity is a contractual financial product sold by financial institutions that is designed to accept and grow funds [...]

By | 2017-10-23T03:41:18+00:00 August 27th, 2016|Annuities|

Ask Questions To Find The Best Annuity For You

Questions can be your strongest asset when considering your important retirement money. Asking how, what, when, where and why can lead to dramatic results when asking about money. • How are my important retirement funds going to respond to market risk? • What are my options for eliminating unnecessary market risk? • When will I [...]

By | 2017-10-23T03:51:50+00:00 August 22nd, 2016|Annuities|

Are You Concerned About Leaving Your Heirs Lump Sum Money?

Need income and want to provide for your heirs?  Here is a simple method of accomplishing both goals.   Many people are very concerned about leaving a large amount of money to their children. They are concerned that the money may be spent foolishly and their children would be in trouble financially. If you are concerned, [...]

By | 2018-03-11T00:39:47+00:00 July 20th, 2016|Annuities|

Four More Reasons Rolling Over to an Annuity IRA Makes Sense

Commentary By Kim O'Brien InsuranceNewsNet Last week we discussed four reasons why rolling employer-sponsored funds into annuities make sense and help consumers to better prepare for retirement. This week we bring you four more. But first, let’s refresh our memories. The first four reasons were: CONTROL: Annuities put the CONSUMER in control of savings choices, [...]

By | 2017-10-24T05:42:23+00:00 July 18th, 2016|Annuities|

Glass, Toilet Paper And Cell Phones

What do glass, toilet paper and cell phones all have in common? The answer is this; 3 large American companies have turned to annuities to offset uncertainty in their pension obligations. PPG Industries, Kimberley Clark and Verizon are only 3 examples of large companies buying their way out of unknown future pension obligations.  In other [...]

By | 2017-10-24T05:52:12+00:00 June 28th, 2016|Annuities|

Baby Boomers Are Learning The Secret That Income is King

When was the last time you heard anyone say, “I am not worried about the stock market.” The financial crisis beginning in 2008 still hovers over all of us today. Equities’ sharp drop during the crisis, and their up-and-down ride recently, have encouraged investors to be more cautious with their money. Baby boomers especially have [...]

By | 2017-10-24T06:55:05+00:00 May 10th, 2016|Annuities|

You Spell Annuity S-E-C-U-R-I-T-Y

In the news, almost daily, there is more and more talk about annuities. So what exactly is an annuity? Simply, an annuity is an agreement (contract) between an organization (insurance company) to pay another an agreed upon benefit. The benefit can be in the form of periodic payments or a lump sum. Annuities are issued [...]

By | 2018-03-11T00:48:26+00:00 April 8th, 2016|Annuities|

Baby Boomers Love Guaranteed Income

Our product has evolved into the mainstream (or vice versa) of important retirement planning.  It now offers guaranteed income riders that have changed the way retirement is planned.  And yet, it was only 10 years ago at a meeting in Des Moines when Sheryl Moore first suggested that an (guaranteed) income rider sitting on the [...]

By | 2018-03-11T00:55:24+00:00 April 3rd, 2016|Annuities|

Annuities: Love Them Or Hate Them

The Wall Street Journal recently had an article about annuities and why so many people should consider them.  The most significant reason why annuities are not 100% embraced is simple, people think of them as complicated and don’t understand them. David Blanchett makes a great case for why an annuity is important in the article [...]

By | 2018-03-11T23:45:17+00:00 March 7th, 2016|Annuities|