Sentences with phrase «indexed annuities»

Several insurance companies offer fixed indexed annuities with reasonable potential for returns, up front premium bonuses, and the ability to lock gains in each year.

Insurance regulators have allowed abusive sales of indexed annuities for years and years and years.

«The solution is an equity indexed annuity with a lifetime income benefit rider,» he explains.

Income 150 + fixed index annuity offers benefits to help you generate income for retirement.

She also finds the products to be easier for clients to understand than fixed index annuities with their caps and participation rates.

Fixed indexed annuity sales, which hit a record $ 61 billion in 2016, are expected to fall between 5 and 10 percent in 2017 compared to 2016.

Today, income riders can be purchased on fixed indexed annuities as well.

Seems to me that the contracts for index annuities are confusing and a lot of work.

What I think about immediate annuities is what I think about indexed annuities.

With a multitude of indexed annuity products available today, we understand that it can be difficult making the right choice.

In a variety of market conditions, fixed index annuities provide you with methods to take advantage of any market cycle.

Compare the question of selling indexed annuities or derivatives or other complex investments.

With a fixed indexed annuity on the other hand, you'll get an annuity with the potential to earn much more, but without the risk of loss of premium.

Fixed - indexed annuities also offer living benefits, which can provide an income for your life as well as to your spouse in the event of your passing.

The Facts: Fixed indexed annuities allow you to pass your account balance to your named beneficiaries after you pass away.

On one end of the spectrum is the fixed index annuity which offers a conservative contractual rate of return applied to the account or cash value growth.

Most of the premium dollars paid by indexed annuity policy owners are invested by the issuing company in traditional fixed income securities such as bonds and mortgage loans.

But our simple definition of a fixed indexed annuity doesn't really do it justice if you want to get into the finer nuances of this financial instrument.

Many fixed index annuity contracts include caps (or limits) on the amount of interest you can receive.

In addition, they resemble indexed annuities because of most or all of the options link their gains to an index.

Clients who purchase indexed annuities are not directly investing in a stock market index.

The third quarter produced some surprises in the fixed index annuity market.

The first round of new indexed annuity designs will be introduced later this month and into the fourth quarter of 2016.

Equity - indexed annuities give holders equity participation as well as some safeguards if the stock market performs poorly.

It provides the first empirical exploration of fixed indexed annuity returns based upon actual contracts that were sold and actual interest that was credited on those contracts.

Keep in mind that on most indexed annuities, the carrier can change the cap rate from year to year.

Many indexed annuities credit interest annually based upon the performance of an index, limited to an annual cap rate.

Most people can not explain how a variable / indexed annuity works.

These examples provide some context as to what kind of returns indexed annuity owners might expect.

Variable, fixed, and fixed - indexed annuities typically have a contract period that will range from 3 to 12 years — this is why you read the contract before you sign!

If you are looking at indexed annuities, I would look at those carefully.

A single - premium indexed annuity that offers protection from market loss, a 10 - year surrender charge period, and suite of optional riders.

In the current indexed annuity world, there are over 40 index choices (some made up out of thin air) and over 700 index call option versions to choose from.

Variable and indexed annuities represent the majority of over $ 200 billion in annual annuity sales, and that's where the product confusion lies.

For instance, many indexed annuities now set the first - year surrender charge at 10 percent and limit the street commission to 7 percent, she says.

As with the other annuities, earnings in equity - indexed annuities increase on a tax - deferred basis, and holders pay income tax on their distributions.

The new indexed annuity world will be simpler, easier to understand, and designed for the consumer... not the agent.

Both were written by regulators and regulating entities competing directly with the fixed indexed annuity marketplace and «various media reports» no doubt written by entities whose advertising is supported by annuity competitors.

Fixed indexed annuities help to offer a guaranteed stream of income, no matter how long you live.

Several fixed and indexed annuity accounts offer income riders as a way to provide predictable income payments during retirement.

We represent dozens of annuity carriers providing hundreds of indexed annuity strategies to our clients.

It's very important to shop for the best caps when researching index annuities.

Let me go on record that I think indexed annuities do have a specific place in some select situations, but should only be owned for their contractual guarantees.

Critics say fixed indexed annuities already protect against volatility because they can not drop below a zero percent return.

Now, there are new indexed annuities coming out without commissions or surrender penalties and have a management fee instead.

This calculator does not reflect any particular indexed annuity product, thus it does not reflect or guarantee future performance of any product.

Not an equity indexed annuity too, that's the problem.

Accordingly, the results above are not indicative of how all equity - indexed annuities performed during the same time period.