Sentences with phrase «of equity indexed annuities»

I used to run a reasonably large options hedging program for a large writer of Equity Indexed Annuities [EIAs].

Equity indexed annuities are a BIG business and there are hundreds of companies offering thousands of different types of equity indexed annuities.

Not exact matches

Within deferred annuities, there are a number of subsets including fixed, equity indexed and variable.

Sadly, many of the agents selling the vehicles (especially equity indexed annuities) don't even know exactly how they work.

American Equity Investment Life Holding Co., a top seller of fixed indexed annuities (FIAs), broadened the appeal of a core product line with the announcement of a new guaranteed lifetime income - focused fixed indexed annuity (FIA) with fee options.

Prior to that, he served as head of quantitative equity for ING Investment Management, (doing business as Voya Investment Management May 1, 2014), building and developing the group and managing more than $ 20 billion in assets with 15 global active, index and enhanced index strategies for pension funds, variable annuities and mutual funds.

Despite a drop in fixed indexed annuity sales last year, the president of American Equity Investment Life Insurance Co. said Friday the company has no intention of steering sales away from the independent agent channel.

Jane — As a former RIA I decided to move ALL my clients out of the rigged stock market in March of 2000 and into Equity Indexed annuities for the sole purpose of protecting their investments.

FINRA, the Financial Industry Regulatory Authority, has posted an Investor Alert about the complexities and risks of equity - indexed annuities, which any potential buyer ought to read.

See http://janebryantquinn.com/2010/09/have-an-annuity-with-lifetime-income-guarantees-dont-give-it-up/ I have written negatively about equity - indexed annuities (which the industry likes to call «fixed annuities,» even though they aren't fixed), due to lack of disclosure, hidden fees and, yes, abusive sales, as several lawsuits by attorneys general can attest.

That's how the equity - indexed annuity — a costly product with a woeful past — slipped out of the hands of a potentially strong regulator and into the cushioned lap of a weak one.

The first, insurance salesmen, wanted us to use just about all of our money to buy equity index annuities.

Because of these differences, it's impossible to compare the various equity - indexed annuities on the market, to find one with a lower cost.

The sad part about the current state of affairs concerning fixed - index annuities (aka: indexed annuities, hybrids, equity - indexed annuities) is that the product can be a very effective alternative to a CD.

One disadvantage of equity - indexed annuities is high surrender charges.

Although there are many different variations, the basic idea is the same: Equity - indexed annuities typically promise some guaranteed rate of return, much like a fixed annuity, but they also offer participation in equity market reEquity - indexed annuities typically promise some guaranteed rate of return, much like a fixed annuity, but they also offer participation in equity market reequity market returns.

Additionally, when stocks were going up, critics bemoaned that owners of equity - indexed annuities would receive only a fraction of the stock market's gains.

There are a number of factors one should evaluate before investing in an equity indexed annuity (including but not limited to: rates, indexes, crediting strategies, surrender charges, surrender fees, riders, etc.).

An Equity Indexed annuity is a Fixed Annuity where the rate of interest is typically set to an index like the S&P 500 Index (but there are many more in today's marindex like the S&P 500 Index (but there are many more in today's marIndex (but there are many more in today's market).

An equity indexed annuity is a brilliant invention by insurance companies to make a ton of money under the guise of safety and security.

Under a typical scenario, an equity - indexed annuity will offer a minimum return that amounts to 90 % of the premium paid at a 3 % interest rate.

Still, there are a couple of persistent issues with equity - indexed annuities.

An equity indexed annuity is an insurance product offered by insurance companies that, for exchange of your money, will link the performance of your annuity to some type of underlying market index like the S&P 500, Dow Jones, Gold, etc..

There are four kinds of annuities — immediate, fixed, variable and equity indexed.

There are several types of annuities: fixed, variable, immediate, deferred, indexed and equity linked.

«Equity index annuity» and «fixed indexed annuity» are used almost interchangeably to refer to the same type of contract.

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

The two examples above only represent a very small percentage of the many methods used to credit interest in an equity - indexed annuity.

Within the genre of indexed annuities, an interest indexed annuity would perhaps be more conservative than an equity indexed annuity with the comparison being the former tying the return to the bond index verses the S&P 500.

Taking $ 100,000 out of Balanced Index Fund and putting it in an annuity would reduce your equity investment down to only 21.4 percent of your portfolio.

They know of no Canadian insurance company that offers a true deferred income annuity (DIA or ALDA), not do they offer a variable income annuity or equity - indexed annuities with living benefits: all available in the US.

Another form of annuities that offer guarantees are fixed index annuities (FIA's and also referred to as equity indexed annuities).

American Equity Investment Life Holding Company is engaged in the development and sale of index and fixed rate annuity products.

Albert Einstein The majority of people who purchase equity - indexed annuities have no idea they could accomplish their goals in a much cheaper, simpler way.

Equity - indexed annuities are sold with the promise of nirvana for investors; i.e., some or all of «market returns» without the...

Have you heard of this investment product called an index annuity (also called an equity indexed annuity)?

The performance of indexed annuities, also referred to as equity - indexed or fixed - indexed annuities, is tied to an index (for example, the Standard & Poor's 500 *).

: An Insurance Puzzle,» Geneva Papers on Risk and Insurance Theory, June 2003; Michael Braun and Alexander Muermann, «The Impact of Regret on the Demand for Insurance,» Journal of Risk and Insurance, December 2004; Peng Chen, Roger G. Ibbotson, Moshe A. Milevsky and Kevin X. Zhu, «Human Capital, Asset Allocation, and Life Insurance,» Financial Analysts Journal, January / February 2006; and Craig McCann and Dengpan Luo, «An Overview of Equity - Indexed Annuities,» Securities Litigation & Consulting Group, February 2006.

Immediate annuities, inflation - adjusted immediate annuities, variable annuities, variable annuities with guaranteed income riders, deferred annuities that function as a form of longevity insurance, annuities with long - term care riders, fixed annuities, equity index annuities, equity indexed annuities with guaranteed income riders...

The death benefit on most equity - indexed annuities is equal to the full contract value, i.e. premium plus accrued gains compounded annually minus any prior withdrawals, calculated as of the date of death, or in some cases, as of the last contract anniversary.

While once upon a time there were few reasons to purchase a deferred annuity besides the preferential tax - deferral treatment, since the early 2000s annuities has been increasingly popular for their guaranteed living benefit riders, along with enhanced death benefit, unique investment features (in the case of certain equity - indexed annuities), or outright superior fixed income yields (with some fixed annuities).