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Annuities

Income Riders Make it Possible to Do Your Own Thing with an Annuity. - Eriksson Per / Jonner Images / Getty Images

Income Riders: The Good, The Bad..The Truth

Standard Life of Indiana Crashed and Burned in 2008-No Premiums Were Lost - By: Mark Stevenson/Stocktrek/Getty Images

What Happened the Last Time an Annuity Carrier Failed?

IRA RMD Payments Can Become Legacy Income Payments - By: Ian Nolan/Cultura/Getty Images

Use an Annuity to Stretch Your IRA Payments

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The Latest in Annuities
Enjoy doing home improvement projects yourself? You can construct an income floor at Annuities.direct. - Photo By: Mickey Cashew / Cultura / Getty Images
Can I Buy an Annuity Direct?
The annuity industry is moving towards a direct distribution model whether it wants to or not. It is now possible to research annuities direct, online, and independently.
You aren't left hanging when you research annuities at DIAs.direct - Photo By: Alberto Guglielmi / Blend Images / Getty Images
Can I Buy a DIA Direct?
You can research Deferred Income Annuities at DIAs.direct. Run quotes to compare carriers and contracts and learn if a DIA is a fit for your portfolio in the process.
Don't be afraid to take the pilots seat! Search for a QLAC at QLAC.direct - Photo by: ZeroCreatives / Cultura / Getty Images
Can I Buy a QLAC Direct?
You can research which QLAC is a fit for your portfolio at QLAC.direct. Not sure how different QLACs stack up next to each other? Run a quote based on your parameters.
Are you ready to be the pilot of your annuity research? Set a course for SPIA.direct. - Photo by: ZeroCreatives / Cultura / Getty Images
Can I Buy a SPIA Direct?
SPIAs are a simple to understand and efficient way to provide annuity income payments. It is now possible to research these products directly at SPIA.direct.
Like to prove people wrong if they say you can't do it yourself? Choose an annuity on your own at MYGA.direct. - Photo by: Kevin Kozicki / Image Source / Getty Images
Can I Buy a MYGA Direct?
It is now possible to research Multi Year Guaranteed Annuities at MYGA.direct. You can discover if a MYGA fits your portfolio using your own parameters.
Lottery winners should choose annuity payments for life! The lump sum can disappear! - Photo by: Chip Simons / Stockbyte / Getty Images
Lottery Winners Should Choose the Annuity, Not the Lump Sum
It is prudent, practical and advised to take the annuity payments instead of a lump sum when you win the lottery. It protects you, your assets and family.
The Department of Labor and the powerful insurance lobby will go to the ring about fiduciary rules. - Photo by: Fuse / Getty Images
Does the Department of Labor Hate the Annuity Industry?
Oddly, the Dept of Labor proposes fiduciary standards in order to protect consumers, but misses the target. The insurance industry will fight these changes.
Timing annuity purchases to interest rate hikes is a losing strategy. - Photo by: choicegraphix / E+ / Getty Images
Trying to Time Interest Rates is an Annuity Fools Game
Don't try to time annuity purchases to rising interest rates. It's a losing strategy, as you lose out on the contractually guaranteed benefits offered now.
A well developed annuity strategy designed to address RMDs could be a winning strategy for you! - Photo By: tumpikuja / E+ / Getty Images
How Can Annuities Help Adjust Your RMDs?
Owning a SPIA or a QLAC from within your Traditional IRA can be an effective annuity strategy to satisfy RMD requirements and provide an income floor.
Don't get taken for a ride by an agent with a hyped up sales pitch! - Photo By: Jonathan Padley / EyeEm / Getty Images
How Income Riders Make Annuity Companies Rich
Income riders have a place in some portfolios. Understand how to calculate the fees, and recognize that the rider amount is a calculation, not yield.
GettyImages_56359311.jpg - By Meioimages / Photodisc / Getty Images
What are the Best Possible Ways to Transfer Qualified Funds to a QLAC?
Transferring money from your current qualified plan to a QLAC is a simple paperwork process that is a direct transfer and a non taxable event.
Income Riders Make it Possible to Do Your Own Thing with an Annuity. - Eriksson Per / Jonner Images / Getty Images
Income Riders: The Good, The Bad..The Truth
Annuity Riders accumulate guaranteed percentage increases while deferred. This is not yield. The amount is only paid out when taken as annuity income.
QLACs Will Soon Be the #1 Annuity Sold - By Hill Street Studios / Blend Images / Getty Images
The Future Looks Good for QLACs
The future is bright for the QLAC strategy because of its simplistic, easy to understand, transfer of risk design and the fact it can be used in an IRA.
QLACs Provide a Strategy to Lower Your IRA RMDs! - Photo By: David Borrego / EyeEm / Getty Images
QLAC Required Minimum Distrubtion Strategies
QLACs legally allow you to reduce your taxes on your IRA's Required Minimum Distributions (RMDs) you have to start taking when you turn age 70 1/2.
Payout isn't a gamble with a QLAC. Choose Life Only or Cash Refund. - By Harrison Eastwood / Digital Vision / Getty Images
Qualified Longevity Annuity Contracts Payout: Life Only or Cash Refund
A QLAC can help solve your future income needs. Choose between two income structures when deciding how it pays out: Life Only or Life with Cash Refund
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