Six Recent Saturday Morning Blog Posts...

  • Is One Million in Annuities or Securities Enough to Retire On?

    Is One Million in Annuities or Securities Enough to Retire On?

    If I had a million dollars, I’d be rich… but, would I be rich enough to retire for 30 plus years and never work another day in my life and not have to worry about running out of money? The four percent rule was a great baseline for financial planners and it was used for […]Read More »
  • MarketFree™ Annuities – Why Advisors Love Them or Hate Them

    MarketFree™ Annuities – Why Advisors Love Them or Hate Them

    “Why can’t we all just get along?” We never thought we would be quoting Rodney King in relationship to MarketFree® annuities; but when it comes to annuities, it seems everyone ends up in one camp or the other – love or hate! Investment broker types typically hate MarketFree®  annuities but love variable annuities#. Insurance agents on the other […]Read More »
  • Fed Up With Exaggerated Annuity Claims?

    Fed Up With Exaggerated Annuity Claims?

    There is a saying in the annuity world that annuities are sold, not bought. Yes, annuities can be complex. Some can have many moving parts that involve calculations for income and growth that may not be easily decipherable to the average consumer. Unfortunately, we hear from people on a daily basis who are considering the […]Read More »
  • Just How Safe Are Annuities?

    Just How Safe Are Annuities?

    Safety of money is generally relative to comparing levels of risk between government-backed, insurance-backed, or securities risks. State regulation forces insurance companies to follow what is known as statutory accounting, unlike generally accepted accounting principles (GAAP) utilized by publicly owned corporations. Statutory accounting is a “show me the money” type of accounting, whereby expenses…[continued below […]Read More »
  • Are Annuity **Guarantees on Their Way Down?

    Are Annuity **Guarantees on Their Way Down?

    “It was the best of times, it was the worst of times.” Dickens often quoted opening to the Tale of Two Cities, might just as easily be applied to how we think annuities fit into retirement – right now. Every week people reach out to the Annuity Guys to ask if this is the right […]Read More »
  • Why are Markets and Annuity Sales at All Time Highs?

    Why are Markets and Annuity Sales at All Time Highs?

    Equity markets increasing and annuity sales increasing at the same time is a little like cats and dogs playing together. It does happen, but an inverse relationship has been the norm. Author Dan Kadlec (cited below) stated in his article that “Lifetime income has emerged as perhaps the biggest retirement challenge of our age. The gradual shift from […]Read More »

**Guarantees, including optional benefits, are backed by the claims-paying ability of the issuer, and may contain limitations, including surrender charges, which may affect policy values.

*Financial or Retirement Planning is provided by referral to site visitors. Annuity Guys' recommended Financial or Retirement Planners are required to be properly licensed to assist clients with their financial or retirement planning needs. (Due diligence as a client is necessary when working with any advisor to check their current standing.)

Site Terms & Disclosure

  1. All annuity tools, videos or information visible on Annuity Guys website pages, television, or other media are for educational and conceptual purposes only.
  2. Annuity tools, videos or information are not to be considered investment advice, insurance recommendations, tax or legal advice.
  3. It is recommended that site visitors should work with licensed professionals for individualized advice before making any important or final financial decisions on what is best for his or her situation.
  4. Website comments are not considered investor testimonials those shown only relate to an insurance agent referral service, customer service, or satisfaction with the purchase of insurance products and are never based on any investment or securities advice or investment or securities performance.
  5. Please be aware that your feedback and compliments may be shared with our visitors or those that may be interested in our services we will never give out your full name or full address or phone number without your permission. By sending us your feedback & comments you agree to allow us full use in sharing your comments with others in public forums. Thank you for sharing.
  6. As Seen on Fox News or Fox Business or Bill O'Reilly is not any type of endorsement, it is an advertisement aired to offer educational and conceptual information about annuities.
  7. Income is guaranteed by annuitization or income riders that may have additional costs or fees.
  8. & forward to - Further all disclosures and information are to be considered as one and the same for any and all URL forwards, and these same disclosures and information also apply to all YouTube videos featuring Dick & Eric where ever they are viewed.
  9. MarketFree™ Annuity Definition: Any fixed annuity or portfolio of fixed annuities that protects principal / premium and growth by remaining market risk free.
  10. Market Free™ (annuities, retirements and portfolios) refer to the use of fixed insurance products with minimum guarantees that have no market risk to principal and are not investments in securities.
  11. Market Gains are a calculation used to determine interest earned as a result of an increasing market related index limited by various factors in the annuity contract. These can vary with each annuity and issuing insurance company.
  12. Premium is the correct term for money placed into annuities principal is used as a universal term that describes the cash value of any asset.
  13. Interest Earned is the correct term to describe Market Free™ Annuity Growth; Market Gains, Returns, Growth and other generally used terms only refer to actual Interest Earned
  14. Market Free™ Annuities are fixed insurance products and only require an insurance license in order to sell these products; they are not securities investments and do not require a securities license.
  15. No Loss only pertains to market downturns and not if losses are incurred due to early withdrawal penalties or other fees for additional insurance benefits.
  16. Annuities typically have surrender periods where early or excessive withdrawals may result in a surrender cost.
  17. Market Free™ Annuities may or may not have a bonus. Some bonus products have fees or lower interest crediting and when surrendered early the bonus or part of the bonus may be forfeited as part of the surrender process which is determined by each annuity contract.
  18. MarketFree™ Annuities are not FDIC Insured and are not guaranteed by any Government Agency.
  19. Annuities are not Federal Deposit Insurance Corporation (FDIC) insured and their guarantees are based on the claims paying ability of the issuing insurance company.
  20. State Insurance Guarantee Associations (SIGA) vary in coverage with each state and are not to be confused with FDIC which has the backing of the federal government.
  21. Annuity Guys website is not affiliated with or endorsed by the Social Security Administration.
  22. *"Best” refers only to the opinion of Dick, the Annuity Guys site author; or the opinion of Dick & Eric in videos and is not considered best for all individuals.
  23. *"APO” refers only to the Annual Pay-Out of annuities in the guaranteed lifetime income phase. *APO is NOT an annual yield or an annual rate of interest.
  24., is only a linked to subscription service, which is not affiliated with, it supplies and updates all Annuity Rates, Features Ratings, Fees and Riders.'s information is available in the public domain and accuracy is not verified or guaranteed since this type of information is always subject to change.
  25. Dick helps site visitors when help is requested. Dick may receive a referral fee as compensation from an advisor for a prospective client referral. This helps compensate Dick for time spent assisting site visitors and maintaining this educational website.
  26. Eric Judy is both insurance licensed and securities licensed. Eric offers securities as an investment adviser representative through Client One Securities, LLC.
  27. Eric purchases prospective client referrals from Annuity Guys Ltd. and may be compensated by commission for helping prospective clients purchase annuities. Eric may also recommend these prospective clients to an annuity advisor and earn a referral fee or a referral commission split.
  28. Vetted annuity advisors refers to advisors that are insurance licensed and recommended based on referral experience from satisfied clients.
  29. Any recommendation of an advisor is only one aspect of any due diligence process. Each site visitor must accept full individual responsibility for choosing a licensed insurance agent/advisor.
  30. In the event that a recommended licensed advisor/agent is not considered satisfactory, Eric will make reasonable efforts to recommend other advisors one at a time in an attempt to satisfy a site visitors planning or purchasing needs.
  31. Dick is the website author and editor, Annuity Guys Ltd. is the website owner; Eric is a guest video commentator. Videos gathered from other public domain sources may also be used for educational and conceptual purposes.
  32. There is NO COST to site visitors when they are given an advisor referral or recommendation.
  33. By giving the Annuity Guys your contact information such as email, phone number, address and etc. you are giving your permission to be contacted or sent additional relevant information about annuities, retirement and related financial information. Annuity Guys has a NO SPAM policy.
  34. Accuracy of website information is strived for but is not guaranteed.
  35. Freedom from virus or malware is strived for but is not guaranteed. Website visitors accept any and all risk associated with damage to any computer for any reason when using this website and hold this website harmless from any liability.
  36. Use this website like the vast majority of websites at your own risk. No risk or liability of any type are accepted by any business entity or any of the information providers for this website.