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Found articles: 11

  • How Index-Linked Annuity Interest Crediting Works

     One-Year Monthly Point-to-PointThe monthly point-to-point index change is determined by subtracting the prior month’s index value from current month’s index value and dividing it by the prior month’s index value. If this results in a positive monthly point-to-point index change and is not more than the declared cap, then it is used as the capped index change for that month. If it is more than the declared cap, then we use the declared cap as the capped index change for that month.More

  • What Is An Annuity?

     An annuity is a contract in which an insurance company makes a series of income payments at regular intervals in return for a premium or premiums you have paid. Annuities are most often bought for future retirement income. Only an annuity can pay an income that can be guaranteed to last as long as you live.More

  • How Fixed Annuities Are Safe

     An Explanation of the Operation of a Legal Reserve Life Insurance Company, underwriters of Fixed Annuities.Through devastating world wars, financial recessions and depressions, sweeping epidemics, earthquakes and fires, inflation and deflation, the life insurance industry has protected people to a degree unmatched by any type of financial institution in the history of the world.Today the annuity and life insurance industry provides more than a trillion dollars of death and income protection to American consumers.More

  • Equity Indexed Annuity is a Fixed Annuity Now Known as an Index Annuity

     An equity index annuity is a fixed annuity.The reason equity indexed annuities are obsolete is that the fixed annuity means your premium earns a minimum guaranteed interest rate. In other words you have two interest rates, a guaranteed rate and a current rate determined by an external index.More

  • What are Indexed Annuities?

     According to The National Association of Insurance Commissioners Buyer’s Guide, “An indexed annuity is a fixed annuity, either immediate or deferred, that earns interest or provides benefits that are linked to an external equity reference or an equity index.When you buy an indexed annuity you own an insurance contract. You are not buying shares of any stock or index.More

  • Tax Deferral Power and Protection

     What is a Tax-Deferred Annuity? A tax-deferred annuity is a contract between you and the insurance company with guaranteed interest and guaranteed annuity income options. There are no upfront sales charges or administrative fees during the life of your contract.More

  • What is RMD?

     When you have qualified money, retirement accounts, IRA, 401k, or 403b IRS Guidelines require they begin taking minimum distributions from these funds at age 70 1/2. Required Minimum Distribution (or RMD) is designed to help you calculate the proper minimum distribution based on life expectancy.When Do They Start?More

  • IRA Beneficiary Planning Strategies

     Here’s an estate-planning technique that allows you to lower the tax sting to your heirs, and that reduces your retirement income in case you don’t think you will need all of your Individual Retirement Account funds in retirement. It’s called a “stretch IRA,” or “Multi-generational IRA,” a complex investment tools that allow you to extend the tax-deferred status of your IRA long after your death.By naming your children and grandchildren as the beneficiaries of your retirement assets, you enable them to stretch out the annual distributions of that IRA over the course of their lifetimes.More

  • What Is A Split Annuity?

     The Split Annuity is a combination of an immediate annuity and a deferred annuity, structured to provide immediate income, much of which is after tax dollars (return of premium), while returning the original premium (before taxes).The income is guaranteed for the length of the contract, while the deferred dollars grow at current, tax-deferred interest rates.A single premium is used to fund the Split Annuity.More

  • Simplified Employee Pension Plans in the Small Businesses

     Do you work for a small business or for yourself and want to know if you will be safe and secure when you retire? Small businesses or self-employed individuals can provide benefits so you or the individual can have peace of mind. They can set up Simplified Employee Pension (SEP) plans.More