A detailed guide about insurance. Get information on Annuities, Life Insurance, Health Insurance and Advanced Retirement Planning.
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Posted by admin in Annuity on 25. Nov, 2009 | No Comments
We have developed a simple future value calculator for all of you to enjoy. We hope that you like and as always we look forward to your suggestions. We would like to add other calculators for you all to use as well. If you have a suggestion for a calculator
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Posted by admin in General Insurance on 07. Nov, 2009 | 1 Comment
What happens should an insurance company go bankrupt or not have enough liquid assets to pay the death benefits of a life insurance policy or return the premium that was allocated to an annuity?
Life insurance and annuities are protected against carrier insolvency by State Guaranty Associations. Annuities are not
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Posted by admin in General Insurance
Present Value is like Future Value in reverse: you assume you already know the future value of your investment, and want to know what your starting principal will have to be in order to reach your goal in the desired amount of time. For example, If I wanted to
Continue Reading »Lately I have noticed that even though many advisors should know the difference between non-qualified and qualified funds they still have trouble grasping the differences. Lets discuss some of the ways you can tell whether your client has a qualified plan. A few key terms you might be able to
Continue Reading »Should you be listening to AARP? I have been getting more and more questions from various people such as insurance professionals, securities brokers and senior clients wanting to know is AARP really a non-profit organization?
Technically AARP stands for Association for the Advancement of Retired Persons. It is an association
We do not speculate on such uncertain topics. However, the general consensus of the majority is that over the next couple of years we should see a steady increase in interest rates on fixed annuities. Should this be the case we want to share with you some of the best
Continue Reading »Posted by admin in Annuity, Fixed Annuities
Fixed annuities vary, but generally feature the following:
Single Premium — One up-front payment and that’s it. Future investments require purchase of a new annuity.
Flexible Premium – A series of minimum payments that accumulate and gain interest on an annual basis.
Guaranteed Rate — Contract locks in a fixed interest
Posted by admin in Annuity, Fixed Annuities
Fixed annuities with multi-year guarantees (often referred to as CD type annuities are interest-based investments similar to bank CDs. They are usually geared specifically towards retirement savings. A lump-sum deposit of cash locks in a specified interest rate for fixed period usually between 1-10 years. Most have a minimum initial
Continue Reading »One of the first questions you should ask about an annuity is how long is the surrender charge period. A surrender charge period is a specified number of years that you have agreed to keep the annuity.
For instance, let’s say you are looking into purchasing an annuity with a
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