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Annuity Basics Posts

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U.S. News & World Report – Deferred Income Annuity Options

December 21, 2016

Here is a snippet from a very good U.S. News & World Report article by Jeff Brown on Deferred Income Annuities, also called Longevity Annuities. “Imagine if you could set aside $125,000 in retirement savings and have it produce more than $60,000 in annual income. Ordinarily it would take a lifetime of investing gains to… Read more

2016 Barron’s Top 50 Annuities

June 29, 2016

The following are excerpts from a Barron’s article titled, “Top 50 Annuities for 2016,” by Karen Hube. AnnuityAdvantage.com is referenced as a Source for the article. Barron’s compiled a list of 50 of the most competitive, top-rated annuities as of the start of this month. We looked for products with high payouts or rates and… Read more

Tax Sheltered Annuities (TSAs)

February 12, 2016

A Tax Sheltered Annuity, also called a TSA or 403(b), is a retirement plan offered by public schools and certain 501(c)(3) tax-exempt nonprofit organizations. Section 403(b) of the Internal Revenue Code allows employees to save for their retirement by making pre-tax contributions, up to a pre-defined annual limit, to individual accounts. Employee contributions are usually… Read more

Annuity Education: CD Annuities Explained

February 12, 2016

What are CD annuities? That is a very interesting question with an even more interesting answer. The fact of the matter is that there really is no such thing as a CD annuity. A certificate of deposit (CD) is issued by a bank, whereas an annuity is issued by an insurance company. Why then do… Read more

Best IRA Rates with Fixed Annuities

February 06, 2016

Most investors want to maximize the value of their individual retirement account (IRA) not only for their own financial needs, but also for their surviving loved ones. These accounts were created to provide a tax favored way of saving for and increasing the long-term growth of one’s retirement savings. Many IRA owners incorrectly believe that… Read more

Life Annuities – An Annuity That Guarantees a Lifetime Income

February 05, 2016

If you are retired or nearing retirement, a life annuity should be a retirement income strategy that you give serious consideration. Life annuities are essentially a Single Premium Immediate Annuity (SPIA) with a lifetime payment option. They provide a dependable and secure stream of income payments that are guaranteed to continue for the rest of… Read more

Bonds vs Fixed Annuities

February 05, 2016

A bond is an investment that is essentially an I.O.U. issued by a corporation or government agency, where the issuing entity borrows funds from an investor for a specified period of time, commonly 10 to 30 years. A return is earned when the issuing entity pays interest on the bond, typically at a fixed rate… Read more

Mutual Funds vs Fixed Indexed Annuities

February 04, 2016

When looking into investing in the stock market, one popular choice has been mutual funds. Increasingly however, many investors are opting for a fixed indexed annuity instead. There are many good reasons for this growing popularity of indexed annuities. A fixed indexed annuity is a retirement savings option where clients are given the ability to… Read more

Tax Deferred Annuities

February 04, 2016

Deferred annuities are contracts issued by insurance companies for people who want to save on a tax-deferred basis, usually for an extended period of time, and then optionally convert their accumulation value into a guaranteed monthly payout once they retire. Unlike an immediate annuity, where income payments must begin within one year of purchase, deferred… Read more

Annuities – Why Work With an Independent Annuity Broker?

February 03, 2016

There are many different terms used to describe an insurance professional that specializes in selling annuity products. Some of the most common are: Insurance Producer, Agent, and Annuity Broker. AnnuityAdvantage acts as an independent annuity broker for dozens of top rated insurance companies representing hundreds of different annuity products. Our job is to seek out… Read more