A detailed guide about insurance. Get information on Annuities, Life Insurance, Health Insurance and Advanced Retirement Planning.
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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
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 »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
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
Welcome to the impressive insurance blog. Our goal is to provide you with some strategies and concepts that can teach you how to be a better planner and/or preparer. We want to tech you the techniques that the professionals use. only without the jargon and sales pitches. We want you
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Non Qualified vs. Qualified.
Is AARP really protecting you? Or are they simply out to influence your decisions in their favor.
State Guaranty Protection Limits
Will fixed annuity rates ever go back up?
Annuity surrender charges
Fixed Annuity Features
Future Value Calculator
What is a CD-type fixed annuity?
The First Post
What is an Annuity?
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