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Indexed Annuities Pros and Cons

Indexed annuities are often referred to as "hybrid annuities." They are a relatively new type of investment product. Introduced by several insurance companies in the late 20th century, they contain parts of fixed and variable annuities. Like fixed annuities, indexed annuities will ...

Who to Get Indexed Annuities From

Annuities are a practical solution for people who are seeking  a secure retirement as they are the only investment vehicle that can provide a guaranteed stream of lifetime income.  For people who have lost their tolerance for risk, fixed annuities, with their minimum rate ...

What is an Indexed Annuity

Like all annuities, an indexed annuity is a financial contract between an investor and an insurance company. When an investor purchases an indexed annuity, he or she is obligated to leave the money in the annuity for the length of the contract. The issuer is then obligated to make payments ...

How to Find Top Indexed Annuities

Annuities come in different flavors and, depending on which you choose, they may or not be suitable for you if they don't meet your preferences for risk or your financial requirements. Stealing an analogy from a children's story, one annuity may be too hot (risky), while another one ...

What is an Index Equity Annuity

There are annuities that provide a fixed rate of return where your principal investment will be held steady. This is called a fixed annuity.  Rates are usually very low but the risk of principal loss is not a factor with these annuities.  Another type of annuity is one where the ...

Equity Linked Annuities

If you’re considering investing in an annuity but you can’t decide between a fixed rate annuity or a variable annuity, you may be a candidate for an equity linked annuity.  Most people know this annuities by the name Equity Indexed annuities.  Equity linked annuities ...

Indexed Annuities and Their Benefits

Unlike other retirement investments that can yield dramatically reduced returns if the market to which they are tied drop substantially, indexed annuities offer equity-like results without the potential for huge losses. The rate of return on an indexed annuity is most often tied to the ...

Index Annuity Crediting Methods

Since their introduction in late 1995, indexed annuities have enjoyed great popularity. Like there fixed counterparts, indexed annuities credit holders with an interest return. This rate is not fixed according to a period stipulated in the annuity contract. Instead, it is tied to a financial ...

Benefits of Equity Indexed Annuities

In the last 15 years, equity-indexed annuities have become a popular addition to the roster of annuity products. They offer a solid list of benefits to prospective purchasers. These benefits more than offset the complicated mechanics and ground rules of this asset. ...

Equity Indexed Annuities Made Clear

Equity indexed annuities are investment contracts between insurance companies and individuals. The investment returns on these contracts are closely tied to returns on an index of equity (stock) prices. The most popular index employed by equity indexed annuities is the Standard & ...

Fixed Index Annuity Investment

What is a fixed index annuity? In order to really make sense of a fixed index annuity, we need to take it apart and then put it back together.  The basic concept is not difficult, but a fixed index annuity has quite a few “moving parts”—terms and ...

Investing in Fixed Equity Indexed Annuities

Fixed equity indexed annuities have become one of the latest  investing choices in the last fifteen years. Built as an investing vehicle that  can provide a greater return than a traditional fixed annuity, fixed equity  indexed annuities are often a smart investing choice for ...

Differences Between A Fixed and Equity Annuity

When considering the difference between a fixed and equity annuity, investors should remember that equity annuities, also called equity-indexed annuities, ARE fixed annuities. Both the fixed and equity annuity are designed for conservative investors, but equity annuities can provide ...

Equity Annuity Primer

In this equity annuity primer, you'll learn what you need to know about equity-indexed annuities, a relatively new form of annuity plan designed to combine features of stock investment plans and those of traditional fixed annuity plans. The equity annuity primer will discuss the nature ...

Equity Annuities: Managing Retirement Risk

Equity annuities offer a good avenue for managing retirement risk because they provide the potential for a good return without the potential losses of principal associated with traditional investments. Equity annuities invest most of their premiums into a fixed annuity, with the rest placed ...