January 25, 2015

Annuity Rates & Reviews 2015

Does your retirement have too much market risk?

“It is no accident that safe fixed annuities are now in the mainstream of conservative planning for Market Free™ Retirements. For years annuities were sidelined by the investment industry promoting diversification using only volatile risk-oriented securities while steering retirees away from the security of adding fixed annuities or other insurance guaranteed alternatives for a safe and balanced retirement portfolio.”

As Seen on Fox News & Business
Since most investors experienced the 2008-2009 Great Recession losses first-hand, they now know the fallacy of relying solely on market oriented securities during or near retirement which proved costly & foolhardy for most. With hindsight, the advantages of fixed annuities in a balanced Market Free™ Retirement Portfolio are all too obvious for savers and investors alike. Hindsight, as wisely stated, is always 20/20!


Frequent Annuity Questions Click for Answers on How to:

Hybrid Annuity Studies

Retiring in One Year?
Retiring in Ten Years?

See What Others Have Done…


2015 Annuity Rates

3.7% to 14.9% *ANNUAL PAY-OUT or
PRE-ISSUED™ – 4% to 7% APY

Review 3,000 Annuities – Rates & Ratings…


Hybrid Annuity Case Studies 3000+ Annuities Rates-Features-Ratings


Create Your Own MarketFree™ Retirement

Annuities have come to the forefront as an asset allocation of choice for securing retirements after many folks faced turbulent financial times in the recent Great Recession. While there are numerous financial choices, only MarketFree™ Annuities can fully answer these fundamental retirement questions:



Compare Annuity Rates & Make the Best Annuity Rates Choice

  • Find – Best Options among Hybrid, Index, Fixed, Variable & Immediate Annuities.
  • Explore – Pre-Issued Annuities ™ Safe A+ & a higher yield
  • Access – Current Annuity Rates, Features & Ratings for over 3,000 Annuities
  • Experience – Work with a specialist Learn The Five Custom Annuity Strategies that can enhance your success in retirement by choosing the best annuities.



Retirement Calculators can assist you in your research towards a very secure, tax deferred portfolio allocations. They can help with calculations on guaranteed minimum interest rates or projected higher potential earnings. These calculations show no tax due on any earnings until they are withdrawn from the account. Use these calculators such as the fixed annuity calculator, variable annuity calculator, or immediate annuity calculator to help you determine how these financial instruments might fit into your retirement plan. Also take advantage of the retirement planning calculator and the retirement shortfall calculator.

More information on Market Free Retirement™ planning:


Today’s Current Annuity Rates, Features, & Ratings

  • 3000+ Current Annuity Rates. America’s Trusted Annuity Source. Compare Fixed, Index, Hybrid, Immediate, & Deferred annuities
  • Annuity Video Reviews, by Dick and Eric to help with your research.
  • Current blogs and Articles, on retirement concerns
  • Access to concise Annuity Educational Videos. Watch Now
  • Retirement Calculators to help your research on annuities.


MarketFree™ Annuity Case Study…

Case Study:  In November of 2007, Jan and Steve, a couple concerned about the security of their investments and retirement savings, made a call to Ed, a family friend who was also their financial professional. After a brief conversation, they agreed to meet a few days later and discuss their portfolio. Upon meeting with the couple, Ed reluctantly agreed with them that they were not risk-takers, and yet he had a majority of their assets wrapped up in the stock market against their better judgment. Awkward as it was, Jan and Steve severed their business relationship with Ed causing some friction with the relatives. In an initial consultation with a new advisor which specialized in retirement planning they were carefully examining their investment options and looking at alternatives such as CDs, bonds, and REITs, Steve and Jan also discussed that they had read some negative reviews about annuities. The sources they were quoting said they were risky and associated with high fees and surrender charges. The articles they had gathered their information from were strongly biased. Additionally, these articles had placed all emphasis on the variable annuity (VA) category. Unfortunately, it is not at all uncommon for financial writers to demonstrate bias by spinning an incomplete or simply inaccurate tale. Although the VA, when used under correct circumstances, can make perfect sense, they are distinctly different from MarketFree™ fixed annuities, which are no or low fee, low or no risk and far more conservative. Once they understood the differences between variable and fixed, they wanted to learn more about the benefits of using a fixed annuity for a portion of their retirement nest egg. This couple eventually chose to leave the stock market and allocated a reasonable portion of their retirement savings into MarketFree™ fixed annuities with income riders. Their cash value has increased as planned, and they are now comfortable knowing their retirement income foundation is predictable and secure. Best of all, they did not lose any of their money during the Great Recession of 2007-2009. Unfortunately, not all misinformed individuals have such a happy ending.

Before Committing ANY Retirement Savings to Hybrid Annuities…

“Make Decisions based on income, ratings, and key facts – Compare Hybrids!”

Our helpful visitor survey finds:

  1. Most Hybrid annuity owners with higher rated Hybrid annuities are pleased.
  2. A portion of Hybrid annuity owners did not adequately understand their purchase.
  3. Those who chose the lesser rated insurers were less confident with their decision.
  4. Some purchasers believe their agent left-out key facts and did not inform them fully.
  5. Few owners, after purchasing, felt Hybrid annuities were not in their best interest.
  6. Those who structured Hybrid annuities for maximum income with reduced or no annual fees were more likely to recommend this type of annuity to others.

Meet Bob




Fixed Index Annuity and Hybrid Annuity Links

Index  or  Hybrid Income Annuity; Learn the Pros and Cons: [Read More…]

Hybrid/Indexed Income Annuities & Hybrid Income Riders: [Read More…]

Are Hybrid/Index Annuities too Complicated? [Read More…]

Learn the Truth About Index/Hybrid Annuities: [Read More…]

What are the Disadvantages of Fixed Index/Hybrid Annuities? [Read More…]

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  2. Annuity tools, videos or information are not to be considered investment advice, insurance recommendations, tax or legal advice.
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  8. MarketFree™ Annuity Definition: Any fixed annuity or portfolio of fixed annuities that protects principal / premium and growth by remaining market risk free.
  9. 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.
  10. 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.
  11. 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.
  12. 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
  13. 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.
  14. 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.
  15. Annuities typically have surrender periods where early or excessive withdrawals may result in a surrender cost.
  16. 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.
  17. MarketFree™ Annuities are not FDIC Insured and are not guaranteed by any Government Agency.
  18. Annuities are not Federal Deposit Insurance Corporation (FDIC) insured and their guarantees are based on the claims paying ability of the issuing insurance company.
  19. 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.
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  22. *"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.
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