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Indexed Annuities

Types of Annuities Part 3: Fixed Index Annuities

The most recent type of annuity to be introduced, the fixed index annuity or FIA, has quickly become one of the top selling annuities in the marketplace today. It also has been the target of many in the financial services industry, as with its complexity, it has caught the attention of many skeptics. Let’s go over the main features for now and tackle the in depth details in another post “What D...
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What Determines The Returns In An Index Annuity

Let’s look into the crediting methods within the Index Annuity, which is where the rubber meets the road for performance. This is where most investors get lost and either have to shop for themselves, or have to rely completely on their agent to find the best products available. The three most common crediting strategies we see today within Index Annuities, are the Annual Point to Point (AP2...
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Types of Annuities Part 5: Longevity Annuities (Qualified Longevity Annuity Contracts, QLAC)

A longevity annuity, or QLAC, provides protection against outliving your money if you or your spouse have good longevity. Also known as an advanced life delayed annuity, this type of annuity requires you to wait until you reach age 80 or later, to begin receiving a payout. Once the payout begins, the annuity provides a guaranteed regular amount of income for the rest of your life. These are...
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