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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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Getting a Refund On Your Annuity

When it comes to getting your money out, annuities are not as inflexible as you may have been led to believe.  You usually have between ten and thirty days to cancel the contract after you receive it in the mail or it is delivered to you from your advisor.  This free look period gives you,  Click to Continue

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Solution to a Rising Interest Rate Environment

A year ago when a client or prospect was approached by an advisor to move a portion of their “save money” into an annuity, some common objections were: “rates are too low”, or “why would I lock my money up now “what if interest rates start to rise?”  All are valid points.  And I’m sure  Click to Continue

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