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Annuities: Benefits and Limitations

Annuities are controversial. It’s a love-hate affair in the investment world. Let’s take a closer look at the five most common types of annuities benefits and limitations to determine if a particular annuity is a good option for your financial plan. Fixed Annuities – offer investors a fixed interest rate on their investment for a  Click to Continue

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What is Annual Reset and Why do I Want it?

This is an educational video brought to you by Retirement Servicing Group and Cal Burgess. This video shows how annual reset can work within either an Indexed Universal Life policy or Fixed Indexed Annuity. This is a core concept within many safe money vehicles designed to protect your money moving forward. Annual reset is the most effective  Click to Continue

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What Are Annuities?

You’re a first time investor, female, sixty years old. Your financial planner mentions annuities. You’re thinking, “What are annuities”? The homework begins. An annuity is a contract between you and an insurance company that requires the insurer to make payments to you. A lump-sum payment or a series of payments. Payments either immediately or in  Click to Continue

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What Questions You Should Ask Before Purchasing a Fixed Indexed Annuity?

What should you do before sinking your hard earned money into fixed indexed annuities (FIAs)? First, get some background information on FIAs by doing some research. You should understand any financial product before plunking a portion of your retirement savings into it. Armed with that knowledge, here are six questions you should ask before purchasing  Click to Continue

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AARP Fixed Index Annuity Article Rebuttal

At Retirement Think Tank, we believe that education is key to making the best retirement planning decisions, so we are happy to see that an article just got published on Annuity123 giving a very detailed rebuttal to an article published on AARP that was overly negative towards fixed index annuities. In this AARP Fixed Index  Click to Continue

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Hedging Strategies of Life Insurance Companies Explained

Insurance companies are some of the very best in the world at hedging. Hedging strategies of life insurance companies are complex, but there are some high level terms and process that are fairly easy to understand. Here are the two primary lessons this video will teach you: Learn why returns are different between static and  Click to Continue

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What Are Fixed Index Annuities?

Assembling the optimal retirement plan is critical for today’s seniors given that their retirement years will likely be much longer than that of the parents.  Most troubling, is that many of today’s retirees do not have the comfortable pension plans to offset the ever-increasing risk of life longevity (living longer than ones retirement savings can  Click to Continue

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Major Annuity Carrier Gets Downgraded

A.M. Best Company, a leading ratings agency in the insurance and annuity marketplace, announced this week that it has downgraded its ratings for The Phoenix Companies, Inc. and its subsidiaries.  Not only did A.M. Best Company downgrade Phoenix on its financial strength rating, but it also lowered the rating for its issuer credit ratings.  Headquartered  Click to Continue

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