Where it works best: This particular annuity will typically work the best if you are looking for: A long-term interest rate guarantee (7 years initially) Safety of principal Guaranteed lifetime income; Where it works worst:The Annuity Gator’s End Take on the Eagle Life Insurance Company’s Eagle Platinum Annuity Where it works best: This particular annuity will typically work the best if you are looking for: A set interest rate guarantee; Safety of principal; Guaranteed lifetime income; Where it works worst: This annuity may not work well if you:My name is Richard Scott. Learn More About Me. Where this annuity works the best: Considering all of this TIAA-CREF variable annuity’s pros and cons, it could be a good fit: For those. Therefore, if you would like more information on SPIAs and/or you would like us to review an annuity that you already own, please feel free to contact us directly by. Calculate all of the annuity fees (some annuities have obscure fees). Share Tweet Pin it Share. M. Buffer annuities allow you to take part in the growth of one or more underlying market indexes (such as the S&P 500), while at the same time keeping your account from incurring a set amount of loss. I help clients all over the country find ways to generate more retirement income and see how to grow and protect their money during these turbulent times securely. Feel free to contact us any time to ask a question or set up a time to chat with an annuity specialist. M. By delving into the good, the bad, and yes, sometimes even the ugly — you’ll find everything you need to know for determining whether or not a particular annuity may (or may not) be right for you. The Annuity Gator’s End Take on the Prudential Premier Retirement B HDI v3. Our licensed annuity professionals are independent and are not captive or beholden to any particular insurance company. The Annuity Gator’s End Take on the Great American Landmark 3 Fixed Index Annuity Where it works the best: Although this annuity comes with a number of nice benefits, it will typically work the best for those who are seeking the. Pacific Life has been helping clients to grow and protect wealth for nearly a century and a half. 5%. Sources Retirement Uses for Your Health Savings Account (HSA). My name is Matthew Taub. Basically, it has an option that tracks 4 different equity indexes and after a year is complete it “looks back” at the four and allocates your money retroactively toward the index that performs the best. 6%, with an account value of $110,000, which gives you an annual income for life of $5,160. It may take a couple of days to be placed on our site, so please check back later this week or early next to read over the information on this. Nationwide has a history of strength that has lasted for more than 90 years, and today it is one of the largest insurance and financial services companies in the world. Annuity Basics. Each annuity review is written with the goal of publishing the most complete, unbiased annuity reviews available on the World Wide Web today. We have been at this for quite a while now – far longer than our competitors have – even though there are now a number of “copycat” websites that are popping up. In addition, there is an annual service charge of $35, up to a maximum of $50. For instance, if you own or plan to purchase an annuity, you may be able to add additional benefits or guarantees by way of “riders”. We have been at this for quite a while now – far longer than our competitors have – even though there are now a number of “copycat” websites that are popping up all over the. Hi Diane – I wanted to follow up with you again and let you know that we have completed our review of the ForeAccumulation ll annuity. 50% in Year 10, until they reach 0% in Year 11 and thereafter. Penn Mutual Insurance Company describes the Premier annuity as a type of retirement plan that includes the following benefits: Strong retirement savings growth potential. The Annuity Gator’s End Take on the Jackson National Life Action Fixed Annuity. The opportunity for additional, index-linked. Our team of experienced financial professionals is dedicated to doing the work of investigating the terms, fees, and costs of annuity investments being sold today and then explaining these complicated investments in a. The Annuity Gator’s End Take on the Lincoln ChoicePlus Assurance Variable Annuity Where it works best: For investors who have a high tolerance for risk. But that’s not all. Annuities are a unique product in that. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. The Annuity Gator’s End Take on the Pacific Life Expedition Fixed Deferred Annuity Where it works the best: The Pacific Life Expedition Fixed Deferred Annuity, while not for everyone, could be a good option if you are seeking: A guaranteed rate of interest for a set period of time (in this case, either 5 or 7 years)Opening Thoughts on the Principal Preferred Series Annuity. 5 billion in assets, and had nearly $13 billion of total life insurance in force. hondo55 . The Annuity Gator’s End Take on the New York Life Annuity: Guaranteed Lifetime Income Where this annuity works best: Although an immediate annuity may not be the ideal solution for everyone’s needs, this product could be a good option for you if you are seeking the following key benefits:My name is Kyle Morgan. 75% to 6%, depending on your age and the income. Annuity Gator helps people research and compare annuities with free information and advice from licensed professionals. The Annuity Gator’s End Take on the TIAA-CREF Intelligent Variable Annuity. As of year-end 2018, American Equity. According to the Jackson National Life Insurance Company brochure on the BonusMAX One annuity, this product is a flexible premium deferred fixed annuity that can provide you with the following benefits: Preservation of principal. Use the form on our website and one of the AnnuityGator. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. We launched our educational blog to provide objective and helpful information to help you financially prepare for retirement. 5 trillion in total customer assets, and services approximately 26 million individual customers for which it transacts more than 1/2 million commissionable trades per day! Have an annuity question? Your information is 100% confidential and your email will never be spammed! Just a friendly response to answer your questions and help point you in the right direction. At Annuity Gator, our mission is to educate consumers on all things annuity. My name is Donna Lee. We can also help you to narrow down the annuity (or annuities) that could work for your particular retirement and other financial objectives. We strive to create unbiased, yet highly comprehensive, annuity reviews – and we have been at this for far longer than most of those “copycat” websites out there. The Annuity Gator’s End Take on The Standard Focused Growth Annuity Where it works best: Safety of principal; Guaranteed lifetime income in retirement; Guaranteed rate protection – at least for a short time after purchasing the annuity; Where it works worst: If you are seeking a long-term rate guarantee; If you are looking for a higher returnAccording to the Sagicor Life Insurance Company’s website, the Milestone MYGA is a single premium deferred fixed annuity. The Annuity Gator’s End Take on the Athene MaxRate Multi-Year Guarantee Annuity Where this annuity works best: While the Athene MaxRate Multi-Year Guarantee annuity may not be right for everyone, it could be a good option for those who are seeking the following benefits: Guaranteed growth (at least for the first seven years) Protection of. We have been doing this for quite a few years now – far longer than our competitors. These charges typically apply to withdrawals taken out of the account during the first six to eight years, and they are one-time fees, but surrender periods could last for as long as 10 years. As with most other annuities, the Indexed Annuity II from Protective will also charge a surrender fee if you withdraw more than 10% of the annuity’s contract value within the surrender period. When you initially purchase an annuity, funds may be contributed in a number of ways, depending on whether the annuity is immediate or deferred. Have an annuity question? Your information is 100% confidential and your email will never be spammed! Just a friendly response to answer your questions and help point you in the right direction. Which sounds really cool at first. Where the New Heights 10 annuity works the best: Although this fixed indexed annuity offers many nice benefits, it will typically work the best for those who are seeking the following attributes: Safety of principal. The company offers more than 100 in-depth company reviews, a free online quiz, and free consultations with no obligation. Annuity Gator provides in-depth education about annuities to consumers and financial professionals, making these complex financial vehicles much easier to understand. This seemingly endless stream of annuity. I help clients all over the country find ways to generate more retirement income and see how to grow and protect their money during these turbulent times securely. The Annuity Gator’s End Take on the Security Benefit Secure Income Fixed Indexed Annuity Where it works the best: This annuity could work for you if you are looking for: Safety of your principal – regardless of what occurs in the market; The opportunity for index-linked growth; Guaranteed lifetime income in retirement Annuity Gator is an annuity marketplace, allowing customers to compare to annuities to find the best option. . In 2018, on top of the $18,000 regular limit to a 401 (k) plan, workers 50 and older can add an additional $6,000 per year in catch-up contributions. I help clients all over the country find ways to generate more retirement income and see how to grow and protect their money during these turbulent times securely. Fisher is spot on in sharing the importance of keeping costs low. The Annuity Gator’s End Take on Canvas Annuity At Annuity Gator, we feel that annuities are good financial options – provided that they are purchased for the right reasons. When the market experiences an upward trend, the returns inside the annuity increase. Where it works best: The American National Palladium Century 1 fixed annuity will generally work best for those who are looking for: Safety/protection of principal. This is particularly the case with indexed annuity products like the Allianz 222, as they tend to have a lot of “moving parts”. In fact, within a relatively short time for an insurer. If you don’t have access to a 401 (k), you can still build wealth like a millionaire if you utilize best financial practices. The minimum fee for this feature is . These indexes serve as benchmarks for market growth and determine the annuity’s returns during the contract term or term length. Learn More About Me. Where it works best: This annuity will generally work the best for those who are looking for: Safety of principal Slow but steady growth. Where it works best: A place to grow money tax deferred for someone already taking advantage of the maximum IRA and 401(k) amounts. So, if you have questions – or if you’d like to discuss whether or not an annuity is right for you – contact us at (888) 440. The Annuity Gator’s End Take on the Fidelity Personal Retirement Variable Annuity Where it works best: There is no one-size-fits-all investment that is right for everyone. It is rated highly by the insurer rating agencies, with an A- (Excellent) from A. Annuity Gator is a website that helps you compare and choose annuities from different providers. These begin in Year 1 at 9%, and they gradually grade down to . (The. Any time you are considering a high-dollar financial decision, it is best to get advice that is as objective as possible from a knowledgeable source. I help clients all over the country find ways to generate more retirement income and see how to securely grow and protect their money during these turbulent times. We look forward to helping you create your retirement savings and income strategy. In many ways, buffer annuities are structured like regular fixed indexed annuities, except in the case of a buffer annuity, your principal is not. Retirement annuities (or RA’s) are a type of fund in terms of the Pension Funds Act in that they are tax-advantaged investment vehicles designed for individual investors (versus employees who are participants in a workplace retirement fund). The Annuity Gator’s End Take on the Fidelity & Guaranty FG Guarantee Platinum 7 MYGA Annuity Where this annuity works best: Just like all products and services, there can be some pros and cons, meaning that. The Annuity Gator’s End Take on the Global Atlantic Income 150+ Annuity: Where it works best: This particular annuity will usually work the best for those who are looking for: The opportunity to obtain a higher rate of growth than that of a regular fixed annuity; Safety of principal; Lifetime income – with income guaranteeHere at Annuity Gator, we are a team of experienced financial pros who are intent on offering the most comprehensive and unbiased annuity reviews. With a retirement annuity, you can grow your savings on a tax-deferred basis. Annuity Gator specializes in helping Americans financially prepare for retirement with the proper use of annuities and income planning strategies. My name is Matthew Taub. Annuity Gator – Ryan Smith Bio. The opportunity for additional, index-linked. The company states that annuities are generally best for investors between ages 50-75 with at least $100,000 in retirement savings. Fixed annuities like the Secure Legacy MYGA product offer a great deal of certainty, even in an uncertain financial world. The Annuity Gator’s End Take on the Eagle Life Select 10 Fixed Indexed Annuity Where it works the best: This particular annuity will usually work the best for those who are looking for: The opportunity to obtain a higher rate of growth as versus a regular fixed annuity; Safety of principal; Guaranteed lifetime income We also created an online annuity quiz that over 10,000 people have taken. How Do Annuities Work; What is a Retirement Annuity? What is Annuity Income? Annuity Types. I specialize in helping Americans financially prepare for retirement with the proper use of annuities. In other words, this product is a variable and index-linked annuity contract that provides for the accumulation of retirement savings, on a tax-deferred basis. I help clients all over the country find ways to generate more retirement income and see how to grow and protect their money during these turbulent times securely. For instance, this annuity has ten years of back-end surrender charges. What's the biggest question that you have about annuities? *. (888) 440-2468. OneAmerica/The State Life Insurance Company describes the Annuity Care ll as a guaranteed interest rate annuity that is combined with the protective elements for end of life care. The company held approximately $158 billion in total assets as of year-end 2017, as well as more than $11. Despite the current volatility in the market and the low. How EMC National Life Describes the Single Premium Annuity. For producing an income for life that cannot be outlived by a surviving spouse. 4 billion in operating revenues and operating income in excess of $774 million,. At Annuity Gator, we don’t think you should have to stay in a product that is no longer fitting your needs. At year-end, United Heritage Life Insurance held nearly $627 million in assets and nearly $71 million in capital and surplus. At Annuity Gator, we are a team of experienced financial and annuity professionals who focus on providing in-depth, and unbiased, annuity reviews on the Internet. In 2018, on top of the $18,000 regular limit to a 401 (k) plan, workers 50 and older can add an additional $6,000 per year in catch-up contributions. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates. The future results can be an essential factor, though, as they can ultimately make a difference in how your annuity performs – and in turn, how much income you can garner from the annuity in retirement. If you would like to see what is possible for you in terms of generating retirement income, based on your intended retirement age, feel free to contact the specialists at Annuity Gator by calling (888) 440-2468 or by. As a source of guaranteed income delivered by a reputable company. Annuity Gator exclusively works with a select group of vetted, independent advisors that specialize in delivering sound retirement planning strategies and unbiased annuity. The Annuity Gator’s End Take on the Lincoln Financial MYGuarantee Plus Deferred Fixed Annuity Where it works the best: If you want to lock into a set interest rate (for a set period of time) If you want to ensure that your principal is safe; If. 50% in Year 10, until they reach 0% in Year 11 and thereafter. An amount is automatically withdrawn from your portfolio annually, usually 4 percent, and this amount is increased every year for inflation. This annuity offers a unique advantage – particularly if the Income Aspect Income Rider is added, which can offer the power of a 10 percent simple interest crediting rate. This charge starts out at 7% in Year 1, and it gradually grades down to 1% in Year 7, until it eventually reaches 0% in Year 8 and beyond. 70% for joint life (both you and your spouse. Throughout the years, this insurer has grown and expanded, both in terms of client base and assets under management. So, in order to find the one that may be best for you, it is recommended that you discuss all of your potential options with an annuity specialist. Initially, he listened to understand my needs, wants, and fears. For. He answered every question and never pushed for a sale. Learn More About Me. How to get guaranteed increasing income for the rest of your life. We have been at this for a number of years now, and quite a bit longer than any of our competitors out there – and because of that, we’ve become a known and trusted source of annuity information. Multi-year Guaranteed Annuities (MYGAs) are a type of fixed annuity that provide a set interest rate for a certain period of time (typically anywhere from three to ten years). Annual withdrawals of 3. (Although up to $35 can be waived with net premiums paid or a policy value of $50,000 or more – and up to $50 can be waived if your policy value is $250,000 or more). We review annuity products nearly every day, so if you’ve got a question or want to have one annuity tested against another, we’re the people who can help. | We simplify the way annuities are. The Capital Bonus 2 Fixed Annuity is described by Horace Mann as a fixed product that offers non-guaranteed interest bonuses in the first two contract years. At Annuity Gator, our mission is to educate consumers and financial professionals about how annuities work, and where they may – or may not – fit into a particular portfolio, based on risk tolerance, time frame, and specific short and long-term objectives. As of year-end 2018, American Equity. On the USAA website, the Extended Guarantee Annuity is described as a deferred fixed annuity product where you can put in a lump sum of money and earn a guaranteed interest rate for a certain period of time. Fixed, variable, and indexed annuities all offer the opportunity to convert, or “annuitize”, and generate a stream of income for a set time period, or even for the remainder of your lifetime. Consultations with the company are free. Independent annuity professionals provide honest. The Annuity Gator’s End Take on the Index Advantage Annuity from Allianz Life Where it works the best: For accumulating funds, without the risk of a catastrophic loss to the contract value For adding money to a tax-advantaged account – especially if other options such as an IRA and/or employer-sponsored retirement plan has been maxed out. That’s where Annuity Gator comes in! At Annuity Gator, our primary mission is on educating consumers – as well as financial advisors – on how annuities work, and whether or not one may be the right choice. And, this money doesn’t necessarily have to be your hard-earned retirement savings. 4 Comments . So, at that time (fall 2021), there is no track record on which to base its performance. 0 Where it works the best: You may want to consider the Prudential HDLI v3. Read 6 reviews from customers who rated Annuity Gator 1. We can be reached by phone at (888) 440-2468 and via email by going to our secure online contact form. At Annuity Gator we work for you, the investor, so our advice comes to you unbiased. Annuity Gator, Cortaro, Arizona. Best (as of June 2018) and an A- (Strong) from Standard & Poor’s. At Annuity Gator, we are a team of experienced financial experts who are dedicated to helping you decode the complicated world of annuities. If you’re still considering the Farm Bureau Select IV New Money 4. M. Just reach out to us by calling our annuity hotline at 888-440-2468 or fill out this confidential. The Balanced Choice Annuity Elevate (BCA Elevate) is a Fixed Indexed Annuity (FIA) that offers racy indexing options for investors who are looking to park their income money where it can earn more secure returns. 21% and 1. The Annuity Gator’s End Take on the Midland National MNL IndexBuilder 10 Fixed Index Annuity Where it works best: This particular annuity will usually work the best for those who are looking for: The opportunity to obtain a higher rate of growth than that of a. As a source of guaranteed income delivered by a reliable company. The company offers more than. For instance, this annuity can provide you with a personal pension-like income. Our primary focus is on helping consumers and financial advisors to better understand how these products work, and where annuities may or may not fit in the overall planning process. Annuity Gator Has Helped Countless Clients All Around The Country Purchase An Annuity. Better to lock in a guaranteed lifetime income. The Annuity Gator’s End Take on the Transamerica Income Edge 1. 55%. Here you’ll find resources to help you retire with confidence. The F&G Dynamic Accumulator annuity is actually an offshoot of the basic fixed indexed annuity. If you’re still considering the Safe Haven 5 annuity from Atlantic Coast Life Insurance. Protection from loss in a down market. A 200% guaranteed withdrawal benefit that guarantees to double your income, provided that you wait until the later of 12 years or age 70 to begin taking your withdrawals. As of mid-2019, Equitable had more than $952 million in admitted assets, which is a 96% increase from just one year prior. The smart way to get honest annuity guidance. I help clients all over the country find ways to. (Then, following the initial guaranteed option period, renewal interest rates. Jackson National Life Insurance Company has been in operation since 1961. Opening Thoughts on the Nationwide Trio Select Plus 1 Year Annuity. The Annuity Gator’s End Take on the Prudential HDLI v3. The Annuity Gator’s End Take on the Nationwide INCOME Promise Select Annuity Even though an immediate annuity isn’t the right option for everyone, there are some scenarios where it could fit in quite nicely. I help clients all over the country find ways to generate more retirement income and see how to grow and protect their money during these turbulent times securely. The Annuity Gator’s End Take on the Protective Life Insurance Company’s Income Creator Annuity. The Annuity Gator’s End Take on the AIG / American General American Pathway Annuity Where this annuity works best: This annuity may be a good product for those who are looking for the following benefits: A fixed rate guarantee. So, if you would like to get a better. I help clients all over the country find ways to generate more retirement income and see how to securely protect their money during these turbulent times. I received a thorough understanding which left me at ease with a clear mind. The Annuity Gator’s End Take on the Kansas City Life GrowthTrack Flexible Deferred Fixed Annuity Where this annuity works best: While it admittedly has a few flaws, the GrowthTrack Flexible Deferred Fixed Annuity from Kansas City Life Insurance Company could still be a viable option for those who are seeking the following benefits:Throughout the years, the company has merged and grown into a large insurance and annuity marketplace that now generates in excess of $250 million in new premiums each year, and (as of year-end 2018), held more than $530 million in total assets. The Annuity Gator’s End Take on the MasterDex X Annuity Where it works best: For producing a reliable, “pension-like” guaranteed income stream (so long as Simple Income rider is elected, and used shortly after purchase) For producing an income for life that cannot be outlived by a surviving spouse;In addition to the 6-year annuity, there is also an 8-year and a 10-year. There are some other key features to consider with the. Despite the current volatility in the market and the low-interest. The Annuity Gator’s End Take on the Mass Mutual Stable Voyage 7-Year MYGA Annuity Where it works best: For those who are seeking safety of principal; For those who want a set rate of growth (at least during the guarantee period of 7 years, and possibly a renewed guarantee period) For those who are seeking a set, ongoing income stream in. We met several times by phone and Zoom meetings, and he walked. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. The Protective Smart Saver 4 annuity is described as a limited flexible premium deferred fixed annuity. We’ve researched and reviewed hundreds of annuities over the years, and we continue to add new information to our annuity review database, which can be accessed at no cost anytime. The Annuity Gator’s End Take on the American National Palladium Century 1 Annuity. 1. Watch Our Client CASE STUDY Video: See How We Helped One Couple Retire 5 Years Early, With A Complete Retirement Strategy (Make sure your sound is turned on, also please wait up to 10 seconds for the video to load)Here at Annuity Gator, we provide you with annuity reviews that are thorough and independent – so we are objective about the information that we offer. Despite the current volatility in the. Annuity Gator provided the contact with Joshua, and I am glad they did. In the case of the LiveWell 10-Year Fixed Index Annuity from Sammons, you will find that if you choose to add the optional guaranteed lifetime withdrawal benefit, there is an additional fee involved. At Annuity Gator, we are a team of experienced financial and annuity professionals who specialize in providing in-depth, and unbiased, annuity reviews on the Internet. The Annuity Gator’s End Take on the Ultra-Premier 7 Annuity from United of Omaha Where it works best: While this particular annuity may not be ideal for everyone, it could be a nice option if you are seeking the following features: Guaranteed growth for a set period of time (in this case, for 7 full years)Annuity Gator is made up of a team of annuity and retirement income planning experts. That is because the Allianz MasterDex X annuity, even with the Simple Income Rider, will not likely produce much more than a 5% return overall. This includes comparing different annuities side-by-side – and we. I help clients all over the country find ways to generate more retirement income and see how to securely protect their money during these turbulent times. The company specializes in annuities, as well as mutual funds, retirement plans, and life insurance coverage. Likewise, there is also a fee to add the optional guaranteed minimum death benefit. The insurance company that offers the annuity that you select will then compensate us for helping you find the right annuity. The company is not an annuities broker and it’s not an insurance company. In addition, based on the Wink Sales Rankings, Equitable’s Secure Savings 5 annuity was #1. The Axiom II annuity product also charges an annual mortality and expense fee (M&E) of 1. The Annuity Gator’s End Take on the Sun America Polaris Variable Annuity Where it works best:According to the TIAA brochure, the Single Premium Immediate Annuity is a product that allows you to “build retirement income your way. Annuity Gator Terry Heys, CEO of Annuity Gator This is where text would go about annuities and explaining the video telling people why annuities are the way to. We have been at this for quite a while now – far longer than our competitors have – even though there are now a number of “copycat” websites that are popping up. 0 out of 5. If you’re still considering the Fidelity FG Guarantee. The Annuity Gators End-Take on the Nationwide Destination C Variable Annuity. 2. Athene USA serves customers in all 50 of the United States. My name is Ryan McNeill. The Annuity Gator’s End Take on the Midland National MNL Guarantee Ultimate ll 5 Year Annuity Where it works best: This particular annuity will typically work the best for those who are looking for the following benefits: A short-term interest rate guarantee – in this case, five years; Safety of principal; Guaranteed lifetime incomeThe Annuity Gator’s End Take on the Securian MyPath Ascend 2. Annuity Gator is an annuity marketplace, allowing customers to compare to annuities to find the best option. With the Elite Access Advisory annuity from Jackson National, you will run into a number of charges, which in turn can have a negative impact on your overall return. So, feel free to reach out to us by phone at (888) 440-2468 or via email by going to. So let’s get started! When going online to get annuity education and information, what you’ll find is that most of the websites are run by annuity agents. Annual withdrawals of 3. 5% will also come with an annual rider fee of 0. M. The Annuity Gator’s End Take on the TIAA Traditional Fixed Annuity Where it works best: Given its safety and income options, the TIAA Traditional annuity will usually work the best for those who are looking for: Guaranteed lifetime income Safety of principal A set rate of interest Tax-deferred growthThe Amplify 2. 85% and 0. Despite the current volatility in the market and the low interest. With that in mind, some of the key advantages to purchasing through Canvas Annuity could be: Convenience (the entire transaction can take place online) Low or no fees Welcome to Annuity Gator, your online portal to the most comprehensive, unbiased reviews of annuity products today. The annual charges for these are 0. The Annuity Gator’s End Take on the Jackson National Perspective L Series Variable Annuity Where it works best: When considering the Jackson National Perspective L Series annuity, it can typically work best when an investor wants to be invested for market growth – and wants the ability to diversify – and still wants the opportunity for. This can come from personal (non-qualified) funds, or you can use qualified dollars that are rolled over from an IRA or employer-sponsored retirement plan. I specialize in helping Americans financially prepare for retirement with the proper use of annuities. Downside protection. This is a good example of why consumers absolutely need to run the numbers before moving forward with the purchase of an annuity – as these products will oftentimes take a large percentage of you overall retirement savings, and they are quite difficult to get out. Annuity Gator is a team of experienced financial experts who are dedicated to helping you decode the complicated world of annuities. We. The Annuity Gator’s End Take on the Athene Agility 10 Annuity Where it works the best: The Athene Agility 10 Year Fixed Indexed annuity could work for you if you are looking for: Safety of your principal – regardless of what occurs in the market; The opportunity for index-linked growth; Guaranteed lifetime income in retirement The Annuity Gator’s End Take On The Prudential Variable Annuity. Your broker or plan administrator can set this up for you. This seemingly endless stream of annuity “fine print” can often times lead to the complaints that are received about annuities – because customers will. The Annuity Gator’s End Take on the Jefferson National Monument Advisor Annuity Product Where this annuity works best:Jackson National describes the RateProtector annuity as a multi-year fixed annuity that offers 3-, 5-, or 7-year interest rate guarantee options. As of year-end 2018, The State Life Insurance Company held roughly $8. M. Guaranteed income throughout retirement. This annuity is actually considered a registered index-linked annuity, or RILA, which offers 100% principal protection against market decline. Annuities are a unique. The Annuity Gator Blog: Annuities. The Annuity Gator’s End Take on the Guggenheim Highlander Fixed Indexed Annuity: Where it works best: This particular annuity will usually work the best for those who are looking for: The opportunity to obtain a higher rate of growth than that of a regular fixed annuity; Safety of principal; Lifetime income – with income guaranteeThe Annuity Gator’s End Take on the MassMutual RetireEase Immediate Fixed Income Annuity Where it works the best: While immediate annuities are definitely not the ideal solution for everyone’s needs, this product could fare well for you if you are seeking: A reliable income stream right away (or one that starts within 12 months after purchasing. The fees that are paid for an annuity are absorbed by the dividends they pay and are only apparent if you go looking for them. The minimum fee for this feature is . Nobody likes that. Although these fees can be steep, they are roughly the same that would be paid to a financial advisor managing stocks. The Annuity Gator’s End Take on the Global Atlantic ForeAccumulation ll Fixed Indexed Annuity. A 200% guaranteed withdrawal benefit that guarantees to double your income, provided that you wait until the later of 12 years or age 70 to begin taking your withdrawals. product was identified and. 35%. At Annuity Gator, we are a team of experienced financial and annuity professionals who focus on providing in-depth, and unbiased, annuity reviews on the Internet. We also offer in-depth details and reviews on hundreds of annuities in our annuity review database. Here you’ll find truthful, clean and understandable information regarding annuities. The Annuity Gator’s End Take on the Lincoln Financial Lifetime Income Edge Fixed Index Annuity Where it works best: The Lincoln Financial Lifetime Income Edge Fixed Index Annuity may be a viable option for you if you are looking for: Protection of your principal; The potential for higher growth; A lifetime stream of guaranteed income The Annuity Gator’s End Take on the AXA Retirement Cornerstone Variable Annuity Where it works best: If you are considering the AXA Retirement Cornerstone annuity, it may work best for those who want to be invested for market growth – and also want the opportunity to diversify funds – along with having the opportunity for retirement. You can compare and research over 100 retirement annuities without meeting with a sales agent, and get personalized and customized strategies. If you’re still considering the Navigator Elite MVA annuity from. Despite the current volatility in the market and the elevated. Learn More About Me. So, if you would like more details, feel free to set up a time to chat with an Annuity Gator retirement income expert. As an example, the Jackson National Perspective II variable annuity prospectus includes updates that were included as of April 24, 2017. Best. We look forward to hearing from you. We look forward to assisting you. But it will typically work the best for those who are seeking the following attributes:The Annuity Gator’s End Take on the Lincoln Impact Advantage Fixed Index Annuity Where it works best: Although this annuity may not be ideal for everyone, it could be a nice option if you are seeking the following features: The option for market index-linked growth; Protection of your principal; Guaranteed income in retirementWhile an annuity can provide you with a stable income source in retirement, not all annuities operate the same. I help clients all over the country find ways to generate more retirement income while securely protecting their money during these turbulent times. At Annuity Gator, we specialize in educating consumers – and financial advisors – on how to secure streams of reliable, ongoing income in retirement, which can alleviate the concern about running out of money when you need it the most. Ameritas describes the Compass Index Annuity as a product that offers the following benefits: Upside potential. The minimum rate of return on the Horace Mann Capital Bonus 2 annuity is 1%. The Annuity Gator’s End Take on the American Equity Choice 10 Fixed Index Annuity Where it works best: The bottom line on the Choice 10 is that this annuity may work the best for people who are looking for the following features: Safety of principal; The opportunity for index-linked growth; Guaranteed lifetime income in retirement The Annuity Gator’s End Take on the Farm Bureau Select IV New Money 4 Multi-Year Guarantee Annuity Where this annuity works best: Just like all products, there can be some pros and cons, meaning that the item or service may work well for some, and not-so-well for others. 0 Annuity Where this annuity works best: This annuity could be a viable option for you, provided that you: Are seeking the opportunity for higher return; Have a high tolerance for risk; Want the ability to boost your lifetime income in retirement The Athene Ascent fixed indexed annuity is primarily designed for those who will need income in ten years or more, and who want to obtain guarantees with growth potential. I help clients all over the country find ways to generate more retirement income and see how to grow and protect their money during these turbulent times securely. Based in Boston, this large financial services company holds (as of September 30, 2017) roughly $6. At Annuity Gator, our mission is to educate consumers about how annuities work, and how they can provide you with the worry-free retirement you deserve. The Annuity Gator’s End Take on the Farm Bureau Select IV New Money 4 Multi-Year Guarantee Annuity Where this annuity works best: Just like all products, there can be some pros and cons, meaning that the item or service may work well for some, and not-so-well for others. What’s Included In This Annuity Ranking Report This Annuity Ranking Report was created using our up-to-date computer models to evaluate hundreds of annuities of all shapes and sizes. This rate is declared by the offering insurance company, and unlike a variable annuity or an indexed annuity, the return on a fixed index annuity is not tied to the performance of the stock market or an underlying market index like the S&P 500. The Annuity Gator’s End Take on the Nationwide INCOME Promise Select Annuity Even though an immediate annuity isn’t the right option for everyone, there are some scenarios where it could fit in quite nicely. The Annuity Gator’s End Take on the American National Strategy Indexed PLUS 7 Fixed Index Annuity Where it works best: This particular annuity will usually work the best for those who are looking for: The opportunity to obtain a. The Annuity Gator’s End Take on the American Legend III Fixed Indexed Annuity from Great American Where it works best: This annuity may work the best if you are looking for: Safety of your principal – regardless of what occurs in the market; The opportunity for index-linked growth; Guaranteed lifetime income in retirementThe Annuity Gator’s End Take on the New York Life Guaranteed Future Income ll DIA Where this annuity may work best: The New York Life Guaranteed Future Income ll Deferred Income Annuity may be a good option for you if you: Anticipate a long lifespan; Will need retirement income in the extended future;Hidden costs and fund participation rate variances explained by Annuity Gator. With this annuity, there is an annual insurance charge of 0. Beware of these annuity websites. Annuities Explained. Opening Thoughts on the Fidelity Personal Retirement Annuity Fidelity is a fairly well-known name in the financial arena. Annuities are not usually associated with the best way for that. Where the New Heights 10 annuity works the best: Although this fixed indexed annuity offers many nice benefits, it will typically work the best for those who are seeking the following attributes: Safety of principal. The Annuity Gator’s End Take on the Great West Smart Track Advisor Variable Annuity Where it works best: The Smart Track Advisor Variable Annuity from Great West Financial can be a viable option for those who: Are seeking the opportunity for a higher rate of return; Have a higher risk tolerance, and can better endure the ups and downs of the. I specialize in helping my clients financially prepare for retirement with the proper use of annuities. Annuity Gator prides itself on allowing consumers to search for the best products, provide users with in-depth reviews on annuities products and ultimately helps you make. But the tradeoff here is these riders oftentimes require an added expense. Here, this annuity charges additional fund platform fees that can range from . For years, we’ve made the annuity comparison process easy and understandable – which in turn, can make the annuity buying process much less. The contract also offers a 2% interest bonus in the first contract year and a 1% interest bonus in the second. The Annuity Gator’s End Take on the Pacific Life Pacific Index Foundation Fixed Index Annuity Where it works best: The Pacific Index Foundation fixed indexed annuity could be a viable choice for you if you are seeking the following: Protection of your principal; The potential for higher growth than with a regular fixed annuity or CDThe Annuity Gator’s End Take on the Midland National Dynamic Choice 5 Year Annuity Where it works best: This particular annuity will typically work the best for those who are looking for the following benefits: A short-term interest rate guarantee – in this case, five years; Safety of principal; Guaranteed lifetime income in the futureThe Annuity Gator’s End Take on the Sentinel Security Life Guaranteed Income Annuity Where it works best: This particular annuity will usually work the best for those who are looking for: Guaranteed lifetime income; Safety of principal; Slow and steady growth over time; Where it works the worst: This annuity may not be an ideal fit if you:At Annuity Gator, we are a team of experienced financial and annuity professionals who focus on providing in-depth, and unbiased, annuity reviews on the Internet. We have compiled the current annuity rates from top-rated insurance carriers that provide income now, income later, or are designed to securely grow your. My name is William Seeley. As a source of guaranteed income delivered by a. How Do Annuities Work. 8 350 total 83% 5% 2% 2-star 2% 1. In this case, while longer terms will typically offer higher rates of return, shorter terms can help with managing market fluctuations better. For the full year 2019, United Heritage Life Insurance Company took in nearly $102 million in insurance and annuity premium for a net income in excess of $5 million. These begin in Year 1 at 9%, and they gradually grade down to . At Annuity Gator, our mission is to help people understand how retirement income works, and how it can alleviate the concern about running out of money in the future. Overall fixed index annuity sales. One thing not discussed in the report though is the real reason to use annuities (for some investors): to get a guaranteed lifetime income they cannot outlive . But, if you are leaning towards the Fidelity Investment Life Insurance Company Personal Retirement Variable Annuity, then it could be a viable option for you if you are. It’s our firm belief that when. I help clients all over the country find ways to generate more retirement income and see how to securely protect their money during these turbulent times. (Although up to $35 can be waived with net premiums paid or a policy value of $50,000 or more – and up to $50 can be waived if your policy value is $250,000 or more). After researching a 60 and 115% fund index rates I noticed that after the initial period of 12 to 24. While the fixed rate period is five years on all of these options, the rate can vary, typically being higher with the longer surrender periods. At Annuity Gator, we specialize in helping people understand annuities and how these financial vehicles can help to supplement retirement income. Where it works best: This particular annuity will usually work the best for those who are looking for: The opportunity to obtain a higher rate of growth than that of a regular fixed annuity; Safety of principal; Lifetime incomeIndexed annuities are a special type of insurance and income-producing financial vehicle. At Annuity Gator, we are a team of experienced financial and annuity professionals who focus on providing in-depth, and unbiased, annuity reviews on the Internet. Best, and an A- (Strong) from Standard & Poor’s. And, because of the in-depth reviews that we provide, we have become a highly. Annuity Gator Annuity Gator Reviews 350 • Excellent 4. This is because the contract will provide the. The Annuity Gator’s End Take on the Jackson National Elite Access Advisory Variable Annuity Where it works the best: For those who are seeking the opportunity for a higher rate of return; For those who have a higher tolerance for risk; Where it works the worst: If you have a low tolerance for risk; If you are seeking protection of principal The Axiom II annuity product also charges an annual mortality and expense fee (M&E) of 1. The MYGA Plus is a multi-year guaranteed, single-premium deferred fixed annuity with an IndexLinked Option offered by Ibexis Life & Annuity Insurance. The Annuity Gator’s End Take on the New York Life Premier Variable Annuity ll Where the annuity works best: As a variable annuity, the Premier Variable Annuity ll from New York Life could be a viable option for those who: Want the opportunity for high, market-related returns Are seeking a lifetime incomeAXA describes the Structured Capital Strategies Plus annuity as a tax-deferred financial product that provides the opportunity for upside potential, as well as downside protection. This is applied as a percentage of the daily net assets of the variable sub-accounts. With more than 58% of United Heritage’s overall. That is because you can count on a set amount of income for as long as you need it – no matter how long that may be. Identify the long-term impact of your annuity fees (on your annual returns, initial deposit, and income). Annuity Gator educates investors on the benefits and advantages of choosing to invest in annuities. How to get guaranteed increasing income for the rest of your life. This annuity guarantees that these income payments will last for a specified period of time, or even for the remainder. As an income source for investors who have a longer timeline. This annuity requires a minimum initial purchase payment of $25,000 with minimum subsequent premium payments of at least $1,000. The Annuity Gator’s End Take on the Allianz 222 Annuity with Protected Income Value (PIV): Where it works best: For producing a reliable, “pension-like” guaranteed income stream / lifetime withdrawals (although there are other annuities with higher guaranteed income at this time) Annuity Gator pledges only to recommend annuities that are the right fit for your retirement funding and circumstances. The Annuity Gator’s End Take on the American Equity Bonus Gold Annuity Review Where it works best: For producing a reliable, “pension-like” guaranteed income stream (although there are other annuities with. The Annuity Gator’s End Take on the Security Benefit ClearLine Fixed Index Annuity: Where it works best: This particular annuity will usually work the best for those who are looking for: The opportunity to obtain a higher rate of growth than that of a regular fixed annuity Safety of principal Lifetime incomeHow USAA Describes the EGA Annuity. On the company’s website, the Security Benefit Secure Income Annuity is defined as a flexible premium deferred fixed indexed annuity that is available to individuals up to age 80. We look forward to helping you protect the ones you love with your own unique legacy. It is rated highly by the insurer rating agencies, with an A- (Excellent) from A. Indexed Annuity; Deferred Annuity; Fixed Annuity; Variable Annuity; Annuity Reviews. We can be reached by phone at (888) 440-2468 , or by sending us an. com team members will personally. The Annuity Gator’s End Take on the American Equity Choice 10 Fixed Index Annuity Where it works best: The bottom line on the Choice 10 is that this annuity may work the best for people who are looking for the. The Annuity Gator’s End Take on the Pacific Life Pacific Index Edge Fixed Indexed Annuity Where it works best: Although this annuity may not be the ideal option for everyone, it could be a good alternative if you are seeking the following features: The opportunity for higher growth than that of a regular fixed annuity productThe AccumuLock Indexed Annuity from Farm Bureau is no different. Learn More About Me. For producing an income for life that cannot be outlived by a surviving spouse. This annuity offers a unique advantage – particularly if the Income Aspect Income Rider is added, which can offer the power of a 10 percent simple interest crediting rate. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. The Annuity Gator’s End Take on the Athene Ascent 10 Bonus 2. have an annuity question? Our Advisors.