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The value of any equity index varies from day to day and is not predictable. When you buy a fixed index annuity you own an insurance contract. You are not buying shares of any stock or equity index. Equity Index Annuity

The value of any equity index varies from day to day and is not predictable. When you buy a fixed indexed annuity you own an insurance contract. You are not buying shares of any stock or equity index. Equity Indexed Annuities

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The initial fixed annuity rate is an interest rate the insurance company may credit for a set period of time after you first buy your fixed annuity. The initial rate in some contracts may be higher than it will be … Continue reading →

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Index Annuities with guaranteed living benefits; Basic description: Newer annuities, including variable annuities, frequently offer optional features that provide various protections or guarantees, subject to certain restrictions. For example, a minimum withdrawal benefit provides for periodic withdrawals of a specified … Continue reading →

Index Annuities with guaranteed living benefits; Basic description: Newer annuities, including variable annuities, frequently offer optional features that provide various protections or guarantees, subject to certain restrictions. For example, a minimum withdrawal benefit provides for periodic withdrawals of a specified … Continue reading →

Index Annuities with guaranteed living benefits; Basic description: Newer annuities, including variable annuities, frequently offer optional features that provide various protections or guarantees, subject to certain restrictions. For example, a minimum withdrawal benefit provides for periodic withdrawals of a specified … Continue reading →

Index Annuities with guaranteed living benefits; Basic description: Newer annuities, including variable annuities, frequently offer optional features that provide various protections or guarantees, subject to certain restrictions. For example, a minimum withdrawal benefit provides for periodic withdrawals of a specified … Continue reading →

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An equity-indexed annuity is different from other fixed annuities because of the way it credits interest to your annuity’s value. Some fixed annuities only credit interest calculated at a rate set in the contract. Other fixed annuities also credit interest at rates set form time to time by the insurance company. Equity-indexed annuities credit interest using a formula based on changes in the index to which the annuity is linked. The formula decides how the additional interest, if any is calculated and credited. How much additional interest you get and when you get it depends on the features of your particular annuity.

Your equity-indexed annuity, like other fixed annuities, also promises to pay a minimum interest rate. The rate that will be applied will not be less than this minimum guaranteed rate even if the index-linked interest rate is lower. The value of your annuity also will not drop below a guaranteed minimum. For example, many single premium contracts guarantee the minimum value will never be less than 90 percent of the premium paid, plus at least 3% in annual interest (less any partial withdrawals). The guaranteed value is the minimum amount available during a term of withdrawals, as well as for some annuitizations (see “Annuity Income Payments”) and death benefits. The insurance company will adjust the value of the annuity at the end of each term to reflect any index increases. Continue reading →

An equity-indexed annuity is different from other fixed annuities because of the way it credits interest to your annuity’s value. Some fixed annuities only credit interest calculated at a rate set in the contract. Other fixed annuities also credit interest at rates set form time to time by the insurance company. Equity-indexed annuities credit interest using a formula based on changes in the index to which the annuity is linked. The formula decides how the additional interest, if any is calculated and credited. How much additional interest you get and when you get it depends on the features of your particular annuity.

Your equity-indexed annuity, like other fixed annuities, also promises to pay a minimum interest rate. The rate that will be applied will not be less than this minimum guaranteed rate even if the index-linked interest rate is lower. The value of your annuity also will not drop below a guaranteed minimum. For example, many single premium contracts guarantee the minimum value will never be less than 90 percent of the premium paid, plus at least 3% in annual interest (less any partial withdrawals). The guaranteed value is the minimum amount available during a term of withdrawals, as well as for some annuitizations (see “Annuity Income Payments”) and death benefits. The insurance company will adjust the value of the annuity at the end of each term to reflect any index increases. Continue reading →

An equity-indexed annuity is different from other fixed annuities because of the way it credits interest to your annuity’s value. Some fixed annuities only credit interest calculated at a rate set in the contract. Other fixed annuities also credit interest at rates set form time to time by the insurance company. Equity-indexed annuities credit interest using a formula based on changes in the index to which the annuity is linked. The formula decides how the additional interest, if any is calculated and credited. How much additional interest you get and when you get it depends on the features of your particular annuity.

Your equity-indexed annuity, like other fixed annuities, also promises to pay a minimum interest rate. The rate that will be applied will not be less than this minimum guaranteed rate even if the index-linked interest rate is lower. The value of your annuity also will not drop below a guaranteed minimum. For example, many single premium contracts guarantee the minimum value will never be less than 90 percent of the premium paid, plus at least 3% in annual interest (less any partial withdrawals). The guaranteed value is the minimum amount available during a term of withdrawals, as well as for some annuitizations (see “Annuity Income Payments”) and death benefits. The insurance company will adjust the value of the annuity at the end of each term to reflect any index increases. Continue reading →

Hybrid annuities with guaranteed living benefits; Basic description: Newer annuities, including variable annuities, frequently offer optional features that provide various protections or guarantees, subject to certain restrictions. For example, a minimum withdrawal benefit provides for periodic withdrawals of a specified … Continue reading →

Hybrid annuities with guaranteed living benefits; Basic description: Newer annuities, including variable annuities, frequently offer optional features that provide various protections or guarantees, subject to certain restrictions. For example, a minimum withdrawal benefit provides for periodic withdrawals of a specified … Continue reading →

Hybrid equity indexed annuity with guaranteed living benefits; Basic description: Newer fixed equity indexed annuity, including variable annuities, frequently offer optional features that provide various protections or guarantees, subject to certain restrictions. For example, a minimum withdrawal benefit provides for … Continue reading →

Hybrid annuities with guaranteed living benefits; Basic description: Newer index annuities, including variable annuities, frequently offer optional features that provide various protections or guarantees, subject to certain restrictions. For example, a minimum withdrawal benefit provides for periodic withdrawals of a … Continue reading →

Hybrid indexed annuities with guaranteed living benefits; Basic description: Newer index annuities, including variable annuities, frequently offer optional features that provide various protections or guarantees, subject to certain restrictions. For example, a minimum withdrawal benefit provides for periodic withdrawals of … Continue reading →

Current Interest Equity Indexed Annuities The current annuity rate is the rate the company decides to credit to your contract  at a particular time.  The company will guarantee it will not change for some time period. The initial rate is … Continue reading →

Hybrid Index Annuities Indexed Annuities are different from other fixed annuities because of the way it credits interest to your annuity’s value. Some fixed annuities only credit interest calculated at a rate set in the contract. Other fixed annuities also … Continue reading →

An annuity is a contract in which an insurance company makes a series of income payments at regular intervals in return for a premium or premiums you have paid. Annuities are most often bought for future retirement income.  Only an … Continue reading →