How an Annuity Can Lower the Tax on Social Security

Posted on by wcfsannuities
A major point of frustration for many retirees is paying tax on their Social Security benefits.  In some cases an individual or married couple will exceed the income thresholds with pension income and cannot do anything about the tax of their Social Security, but they may be able to control how much of their Social Security is taxed. In other cases by doing some strategic planning, the entire tax ...
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Fixed Annuities as a CD Alternative

Posted on by wcfsannuities
When it comes to the typical CD investor, the number one reason that CD’s are used, is the safety that is offered within the CD. The mindset for the CD investor is like Will Rogers quoted, "I am not so much concerned with the return on capital as I am with the return of capital." Of course the appeal is the FDIC insurance of up to $250,000. With CD rates this low, many folks are just leaving their...
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Annuities’ Grand Design: Guaranteeing Income In Retirement

Posted on by wcfsannuities
Longevity and good health should be the goal for all of us and it shouldn’t be adverse to our financial situation, but it can be. Because retirees are living so much longer, they also run the risk of outliving their portfolios, especially with today’s market conditions. Modern mortality tables show that there is a 50% chance that a surviving spouse will live to age 92 and a 25% chance that they wi...
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Volatility Controlled Indexes: Everything You Should Know

Posted on 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 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 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 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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