Since the financial meltdown of 2008, deferred annuity sales have surged to new highs led by variable annuities, followed by indexed annuities. Even fixed annuity sales, which have trailed the other two due to low fixed yields, have seen resurgence. All three types of deferred annuities are recipients of the huge outflows of money from […]

People considering annuities as a long term investment must be able to choose from several different types to find the one that best suits their own financial profile. While annuities of all types share many common features and characteristics, such as tax deferral, withdrawal provisions, guaranteed death benefits, and guaranteed income, they differ greatly in […]

Due, in large part, to stock market volatility and the continued uncertainty of the economy, annuity sales are seeing resurgence as more people shift towards a “capital preservation” mentality. A good portion of the outflows from stock and bond mutual funds have been finding their way into fixed annuities as havens from the chaos and […]

A sound financial plan should always begin with the building of a solid, safety foundation for protection against the unexpected. It should include a 12 month emergency fund to protect against job loss or short term disabilities. It needs to have insurance protections against property loss, and, of course against the possibility of dying too […]