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Annuity 101

Why You May Not Need an Income Rider

Posted on February 1, 2020July 24, 2020 by wcfsannuities

The vast majority of annuities being sold today are being sold with an income rider. Unfortunately this may not always be in the best interest of the client, but for the salesman it is easy to convince someone that this is a good deal for them. Let’s uncover why you may not need an income rider and instead may want to consider purchasing an annuity with solid crediting rates, which may benefit you...
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Volatility Controlled Indexes: Everything You Should Know

Posted on January 20, 2020July 24, 2020 by wcfsannuities

The most recent innovation in the world of Index Annuities is the Uncapped Point to Point Managed Volatility Index. What makes the Index Annuity a very unique product, is the use of the call option by insurance companies. This allows gains to be realized when an index increases, and no losses to be incurred should the index decline. The price of the call option is what determines how much upside p...
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Long Term Care Benefits With Annuities

Posted on January 20, 2020July 24, 2020 by wcfsannuities

Long Term Care (LTC) is a legitimate concern for retirees and with traditional Long Term Care Insurance on the decline, many retirees are looking elsewhere to solve the need for some type of protection. Recently the annuity industry has addressed the need for LTC with two types of annuity designs, the use of Income Riders and annuity products that increase values specifically for LTC. Income R...
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Volatility Index Information

Posted on January 11, 2020July 24, 2020 by wcfsannuities

Links to Daily Closing Prices Barclays ARMOUR II Gross 7% USD Barclay's U.S. Low Volatility II ER Risk Controlled Index 5% Barclay's U.S. Low Volatility II ER Risk Controlled Index 7% Barclays US Dynamic Balance II Index BlackRock Diversa Volatility Control Index BNP Paribus High Dividend Plus BNP Paribas Multi Asset Diversified 5 Index Citi Flexible Allocation 6 Excess Return Index ...
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Insurance Guaranty Fund Info

Posted on January 11, 2020July 24, 2020 by wcfsannuities

Insurance Guaranty associations. Liability Limits To visit a particular states life and health insurance guaranty association web site, click on the links provided in the table below. State Max. aggregate benefits for all lines of insurance Max. death benefit with respect to any one life Max. liability for cash or withdrawal value of life insurance po...
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Insurance Company Information

Posted on January 11, 2020July 27, 2020 by wcfsannuities

Company Vital Signs Snapshots Have any additional questions regarding Insurance Companies? Speak to a Licensed Professional Today!
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Insurance Companies: The Most Monitored Entities in the U.S.

Posted on August 10, 2019July 27, 2020 by wcfsannuities

There has been a dramatic change in people's attitudes about their money. Investors have begun seeking ways to eliminate risk and preserve long-term, guaranteed growth. When people seek safety and protection, they often consider utilizing the services and guarantees of the American Insurance Industry. For many years, people have considered annuities to be a safe haven for their life savings. The...
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