- Want the latest highlights in retirement news and indexed annuities? Enter your email in the signup box above to receive our quarterly IALC Insights Newsletter. Click below to browse our archives.
Category Archives: Product Features
Increased Life Expectancy Leads to a Decrease in Payout Rates
With current rates being “low,” they may seem befuddled when asked to consider purchasing an annuity. I explain that today’s rates are not low. In fact, I believe these to be the “new” rates—and today’s rates may be the highest rates we could see for a very long time! Continue reading
The 20th Anniversary of Fixed Index Annuities
This week Fixed Index Annuities (FIAs) reached a milestone – their 20th anniversary! On February 15th, 1995, Fixed Index Annuities were first introduced to consumers as a key product for helping plan a secure, dependable source of income for retirement.
Continue reading
Annuity Riders Protect Aging Seniors
There is a misconception that when an annuity is purchased it is impossible to access your money until the annuity is fully matured, which may discourage consumers from making annuities a part of their plan. Annuities offer a variety of liquidity options if your funds are needed for health-related purposes so consumers can choose the product that best fits their needs. Continue reading
Why Uncapped Does Not Mean Unlimited
An important point to keep in mind about these new product offerings is that “uncapped” does not mean “unlimited”. A volatility controlled index shifts assets between a risk component and a risk-free component to reach the targeted volatility level. Continue reading
Posted in Personal Finance, Product Features
1 Comment
The Changing Price Tag on Healthcare?
With both health care costs and life expectancy continuing to rise, many Americans are forced to commit more of their financial resources to health care plans. One solution growing in popularity is concierge medicine. Continue reading
John Jamieson from Daily Finance talks retirement preparedness: Part II
The Indexed Annuity Leadership Council recently interviewed DailyFinance contributor John Jamieson on preparing for retirement, the importance of a balanced portfolio and the benefits of fixed indexed annuities. Continue reading
John Jamieson from Daily Finance talks retirement preparedness: Part I
The Indexed Annuity Leadership Council recently interviewed DailyFinance contributor, John Jamieson on preparing for retirement, the importance of a balanced portfolio and the benefits of fixed indexed annuities. This interview has been split into two parts. The opinions expressed in … Continue reading
The biggest risk to your retirement? Unrealistic expectations.
While many people approaching retirement have actively adjusted their retirement plan to take into account recent economic uncertainty and market volatility, few recognize that an even bigger threat to their retirement nest egg is unrealistic expectations. Continue reading
Indexed Annuity Sales are Up, Complaints are Down
Despite the growth in indexed annuity sales, complaints against the product have significantly decreased since 2010, according to data recently released by the National Association of Insurance Commissioners (NAIC). What’s more, a recent LIMRA study found that 83% of indexed annuity buyers were satisfied with their annuity purchase, and five in six would recommend annuities to family and friends. Continue reading
Posted in FAQ, In the News, Product Features
Leave a comment
The Upside of Tax Season
Annuities, in particular, are attractive to many consumers from the standpoint of tax deferral because—unlike other tax-deferred accounts, such as 401(k)s and IRAs—the product has no limits on annual contributions. That means you can put away more money for retirement. Continue reading
Posted in Personal Finance, Product Features
Leave a comment