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Annuities

Annuities – what they are, how they work and how to choose the best type of Annuity

Found 146 Articles.
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The Truth about Annuities — And How to Make Them a Lifelong Stream of Income

March 1, 2024

Click the PDF below for immediate access. […]

Lifetime Income through Annuities: Everything a Retiree Should Know

October 22, 2023

There are two ways to generate guaranteed lifetime income through annuities, and it’s important to understand their differences. The standard, simple way is to buy a single premium immediate annuity (SPIA) or a deferred income annuity (DIA). An income rider simply is a feature that you add to the annuity contract. Remember that in a […]

7 Reasons Not to Buy an Annuity

February 20, 2023

Annuity purchases soared the last couple of years, yet only a small percentage of retirees and near-retirees own or consider annuities. That goes against the advice of many economists and actuaries, who say that most people should include annuities in their retirement portfolios. Some financial advisors and media personalities say annuities never should be purchased. […]

How to Customize Annuities To Maximize Your Retirement Income 

January 15, 2023

Higher interest rates are making annuities more popular than ever, but misunderstandings keep many people from taking advantage of annuities. Insurers have been dealing with waves of applications as yields on multi-year guaranteed annuities (MYGAs) leapt to 3%, 4% and then above 5%. Let’s look at the misunderstandings that keep people from the benefits of […]

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How to Customize Annuities

December 27, 2022

Higher interest rates are making annuities more popular than ever, but misun- derstandings keep many people from taking advan- tage of annuities. Insurers have been dealing with waves of applications as yields on multi- year guaranteed annuities (MYGAs) leapt to 3%, 4% and then above 5%. Let’s look at the misunderstandings that keep people from […]

Lifetime Income Through Annuities: Everything a Retiree Should Know

October 9, 2022

There are two ways to generate guaranteed lifetime income through annuities, and it’s important to understand their differences. The standard, simple way is to buy a single premium immediate annuity (SPIA) or a deferred income annuity (DIA). An income rider simply is a feature that you add to the annuity contract. Remember that in a […]

What You Need to Know About Annuity Income Riders

September 29, 2022

There are two ways to generate guaranteed lifetime income through annuities, and it’s important to understand their differences. The standard, simple way is to buy a single premium immediate annuity (SPIA) or a deferred income annuity (DIA). I’ve discussed these in past issues of Retirement Watch and in my Spotlight Series online seminars. This month, […]

Read This Before Joining the Surge in Fixed Indexed Annuity Buyers

August 31, 2022

Stocks and bonds have lost value in 2022, and that’s increased the popularity of fixed indexed annuities (FIAs). FIAs set sales records in 2021, and sales in 2022 are well ahead of 2021’s levels. A new quarterly sales record was set in the second quarter of 2022, according to currently, eclipsing the previous record in […]

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