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Equity Indexed Annuities – Now Called a Fixed Index Annuity

January 11, 2016

Equity Indexed Annuities were first introduced in 1995 as an innovative new product design that allowed individuals to earn interest based on the performance of a stock market index, most commonly the S&P 500, without any of the downside risk. Starting in 2006, the industry began renaming the product, removing the word equity, to help… Read more

Fixed Annuity Rates – Four Benefits of Fixed Rate Annuities

January 09, 2016

There are many reasons why fixed rate annuity products have become such a popular retirement savings vehicle for retirees and pre-retirees seeking to secure a reliable and guaranteed supplemental income for their entire lifetime; here are just four of those reasons: 1) Competitive Interest Rates – Fixed rate annuities offer competitive interest rates, as well… Read more

Fixed Annuities – Finding the Highest Annuity Rates

January 08, 2016

If you’re exploring annuity options or considering the purchase of a fixed annuity, you’ll certainly want to do your homework. Annuity rates can vary dramatically from one annuity to the next. And, in addition to the stated annuity rate, the interest guarantee term and other product features should be thoroughly reviewed and understood before making… Read more

Researching Annuities and Obtaining Annuity Quotes

January 08, 2016

Doing research is integral when making any type of big purchase. You wouldn’t blindly purchase the first mortgage offered to you, or buy the first car that you see. Researching a product before buying helps to provide you with confidence that you are getting the best price and the best features that most appropriately meet… Read more

Using Online Annuity Calculators When Researching Annuities

January 08, 2016

Annuity calculators can be found all over the internet. Most insurance companies and online annuity marketers offer some version of an annuity calculator on their website. These online tools make it easier to approximate how much your annuity will be worth at a future date, or how much your guaranteed monthly income payments will be,… Read more

Understanding Annuities – Things to Consider Before Buying an Annuity

January 07, 2016

Annuities offer many options for retirees and pre-retirees to increase their retirement savings and guarantee retirement income that cannot be outlived. But all of those options can become confusing, and many people have difficulty understanding their annuity choices. The main reason for all the confusion: Annuities can be single premium or flexible premium; fixed or… Read more

Types of Life Insurance

July 30, 2015

What Are the Basic Types of Life Insurance? One of the best ways to protect against the financial consequences of a primary wage earner’s premature death is life insurance. However, only about 6 out of 10 Americans actually own life insurance and 30% believe they do not have enough.1 However, choosing from the many types… Read more

Long-Term-Care Needs

July 30, 2015

How Likely Am I to Need Long-Term Care? If you were to suffer an illness or disability that required long-term nursing care, would you be covered? Maybe not. The vast majority of Americans go through their lives reassuring themselves that it will never happen to them. However, if past trends continue, 43 percent of those… Read more

Medicare Coverage

July 30, 2015

What Does Medicare Cover? Medicare is the federal health insurance program for elderly persons and certain disabled individuals. In 1965, Medicare was enacted to provide a “safety net” of health-care coverage for qualifying individuals. Medicare is packaged in two major parts. Part A is hospital insurance protection. It covers hospitalization, some hospice care, and a… Read more

Long-Term Care Costs

July 30, 2015

Am I Prepared for Long-Term Care Expenses? In general, Americans are not sufficiently prepared to pay for long-term care. Many of them go through their lives simply hoping that they won’t ever need it. Unfortunately, in the event that you or a loved one does need long-term care, hope won’t be enough to protect you… Read more