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Annuity Returns As High As 8%
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We provide you with knowledgeable and comprehensive information about Annuity products from every top carrier in the nation allowing you to make a monumental decision easy.
Returns As High As 8%
We provide you with knowledgeable and comprehensive information about Annuity products from every top carrier in the nation allowing you to make a monumental decision easy.
Don’t Outlive Your Money
We provide you with knowledgeable and comprehensive information about Annuity products from every top carrier in the nation allowing you to make a monumental decision easy.
Top 10 Best Annuity Rates
The Top 4 Misconceptions About Modern Annuities and Why You Need To Know Them
“Your money is locked up, if you put it into an annuity you can’t touch it until you retire.”
Answer: Annuities are designed for retirement and certainly money that you need for living expenses before you retire shouldn’t go into an annuity. You can access funds from your annuity, even during a period where you have surrender charges. These surrender charges are there for two purposes. They are used as a deterrent that keeps you from dipping into your retirement money before it is time, and secondly, it gives the insurance company a set amount of time to invest that money in long term portfolios.
After the first year, in most Fixed Indexed annuities you can withdraw 10% and each year thereafter without penalty. In as short of an 13 month period you can withdraw 20% of your money penalty free. There are also riders available that will allow you access to your money in case of nursing home confinement, as well as terminal illness.
“They keep your money, when you die it’s all gone.”
Yes, but no. When your annuity matures, you can take the money out in a lump sum with no obligation to start an income stream. You can “annuitize” which means to turn it into an income. You don’t have to use the entire amount, and you can use it to provide income for both you and your spouse for as long as you both live. You can structure your payouts to last for a certain period of time 5, 10, 20 years then they stop, or you can have the income that lasts your lifetime, no matter how much you paid into your annuity, the payments will never stop even if they exceed the amount of money you put in.
“The commissions and fees they charge are outrageous.”
This is where a lot of confusion comes into play based on the type of annuity you are talking about. Variable annuities which are tied to the stock market are rife with fees, commissions and loads. If you have ever taken the time to read the prospectus of a variable annuity, underline how many times the word fees are referenced in the document. They NEVER go away and eat at your lifetime earnings. Fixed annuities credit your account dollar for dollar. If you put 100,000 dollars into your account, 100,000 dollars is credited to your account with no recurring fees, commission, loads or charges added to your account. There can be certain riders that are added to a fixed annuity that you choose upfront that may add an additional charge but are customized to your choice and situation. Commission are typically paid to the agents who sell and service fixed annuities, but are paid directly by the insurance companies and not taken from your account. Whereas variable annuities fees and commission are usually taken from your account annually.
“The returns on annuities are bad, you should invest in a balanced portfolio, you will make more money in the long term.”
The stock market and equities deserve a place in many people’s portfolio. When you grow closer to retirement you can’t afford a massive fall in your account values and hope they return. If you’re in your 20’s there is a greater chance of recovery. With a fixed annuity you NEVER lose money due to stock market declines. For those that felt the sting of the last recession, they ended up working longer, or retired at a significantly lower quality of life. As a matter of fact, the upside to Fixed-Indexed Annuities can be remarkable. Some 2016 returns are credited as high as 12%. Gains that are locked in and can never go down due to the market!
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