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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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Truth about Variable Annuity Income Riders

Great video below about how these ever popular income riders work on both variable and fixed indexed annuities.  Make sure to watch this video before buying an annuity with an income rider.  These riders are incredibly powerful, but only if you truly understand how they work.   Watch here on Youtube – Truth about Annuity  Click to Continue

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FED to taper QE, what does this mean for retirees and those approaching retirement?

  Federal Reserve Chair Ben Bernanke just recently announced that they Federal Reserve (FED) will taper its quantitative easing (asset purchasing) stimulus program.  This announcement sent the markets into a tailspin, dropping significantly at the end of last week.  With this announcement, the FED said the reasoning is that their signs that economy is strengthening  Click to Continue

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Different Types of Annnuities

So you are being told by your retirement specialist that an annuity is a great fit for a portion of your safe money.  After talking it over with your family and friends, you learn that they have the exact opposite reaction towards an annuity.  They tell you its a bad decision, and that you’ll never be able  Click to Continue

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MetLife Eliminates One-Third Of Its Advisors

In an effort to increase productivity and save on operational costs, New York-based MetLife has cut 2,500 financial advisors from its workforce.  That’s almost one-third of the total amount of MetLife advisors as of 2012.  The company also eliminated 25 agencies, leaving only 60 in the U.S.  MetLife’s variable annuity sales have been down considerably  Click to Continue

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New Annuity Product By Nationwide

Nationwide has introduced a new product, Nationwide Destination Architect 2.0 an advisory-based variable annuity and Nationwide Lifetime Income Tract, which is an optional rider that will guarantee lifetime withdrawals in retirement for Nationwide Destination Architect clients. Nationwide is hoping that this low cost annuity will help sway hesitant advisors to sell their product. Nationwide Income  Click to Continue

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Lincoln Expands Investment Options On Variable Annuities

In a continuing effort to remain a competitive player in the variable annuity market, Lincoln Financial Group announced this week that it will be offering several new investment options for its variable annuity product lines.  Lincoln hopes that by adding these new options they will be reducing client’s exposure to market risk and fluctuations.  Many  Click to Continue

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Educate Yourself on Annuities

Mention the word “annuity” to a group of seniors, and I’m certain there will be at least one person in the group that will talk negative about it.  But why?  An annuity is a contract with an insurance carrier that is not only designed for your “safe money”, but it also provides protection, and guarantees.  One  Click to Continue

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Nationwide Introduces New Annuity

Earlier this week, insurance giant Nationwide launched a new variable annuity along with a guaranteed lifetime withdraw rider.  The Destination Architect 2.0 will offer over 100 investment options, and will not have any surrender charges.  According to Eric Henderson, senior vice president of life insurance and annuities for Nationwide, “this product will appeal to fee-based  Click to Continue

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