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How to Prevent Divorce from Ruining Your Retirement Plans

December 26, 2016 by Leave a Comment

Divorce and Retirement

Divorce is a major life change that can affect your finances all the way through retirement. It divides assets and, in some cases, assets may be awarded to only one person — making the other spouse more vulnerable. Statistically, single adults have a higher risk of not having enough money saved for retirement. The Employee...
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Filed Under: Annuities   •  Life & Health Insurance Information   •  Life insurance   •  Long Term Care Insurance   •  Retirement Planning

Demand for Fixed Indexed Annuities on the Rise

October 26, 2015 by Leave a Comment

Fixed Interest Annuities

The fixed index annuity market is going strong. Sales increased 24 percent in the last year, reveals a study conducted by the Insured Retirement Institute (IRI). Out of the total broker-dealer annuity sales last year, 10 percent were of FIAs. Like all annuities, the fixed index annuity (FIA) guarantees a predictable income either for life...
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Filed Under: Annuities   •  Life & Health Insurance Information

Annuities vs Life Insurance

March 29, 2015 by Leave a Comment

Most life insurance companies sell both life insurance policies and annuities. Both require you to be in good health to get the best rates. And both provide financial security. But they play very different roles in your financial portfolio. How They Work When you buy life insurance, you name a beneficiary (usually a person, but...
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Filed Under: Annuities   •  Life & Health Insurance Information   •  Life insurance

Annuities: The DIY Pension Plan

October 7, 2014 by Leave a Comment

Annuities can be DIY pensions

In 1980, 38 percent of private industry workers had a defined benefit pension plan. By 2011, that percentage had dropped to only 14.7 percent. The rest will have to live their retirement on Social Security and their own savings. Your parents or grandparents might have relied on an employer’s pension to fund a comfortable retirement....
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Filed Under: Annuities   •  Life & Health Insurance Information

Is an Annuity a Good Retirement Investment?

September 18, 2014 by Leave a Comment

Understanding Annuities

Do annuities belong in your retirement portfolio? If you’re looking for a guaranteed revenue stream, consider the following pros and cons to decide if an annuity is a good investment for your retirement portfolio. When you buy an annuity, you’re buying an investment that provides regular payments over time. The annuity buyer (the annuitant) makes...
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Filed Under: Annuities   •  Life & Health Insurance Information   •  Retirement Planning

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