Annuity Guys®

Annuity Rates, Features & Ratings: America's trusted annuity resource. Compare best options for hybrid, index, fixed, variable & immediate annuity quotes.


Helping You Create Great Results Your Retirement Deserves!



(217)753-1515
  • Home
  • About Us
    • About Us
    • Contact Us
    • Site Terms & Disclosure
    • Privacy Policy
  • FAQs
    • Most Frequently Asked Annuity Questions
  • All Annuity Guys Videos
  • Annuity Types
    • Best Annuity Reviews
    • Market Free™ Annuities
    • Choosing an Annuity
    • Deferred Annuities
    • Hybrid Annuity Choices
      • Hybrid Annuity Pros&Cons
      • Hybrid Income Riders
      • Hybrid Annuity Guarantees & Strategies
    • Fixed Annuity Choices
      • Fixed Annuity Performance
      • Better Fixed Annuities
      • Fixed Deferred Annuities
      • Fixed Rate Annuities
      • Fixed Annuity Alternatives
      • Fixed Annuity Pros & Cons
      • Fixed Annuity Negatives
    • Index Annuity Choices
      • Fixed Index Annuity Features
      • Fixed Index Annuity Performance
      • Better Fixed Index Annuities
      • Fixed Index Annuity Alternatives
      • Fixed Index Annuity Pros & Cons
      • Fixed Index Annuity History
      • Fixed Index Annuity Negatives
    • Immediate Annuities
      • Immediate Variable Annuity
      • Immediate Fixed Annuities
    • Variable Annuities
      • Variable Annuity Features
      • Better Variable Annuities
      • Variable Annuities Disadvantages
      • Variable Annuity Alternatives
      • Variable Annuity Negatives
      • Variable Annuity Performance
    • Pre-Issued Annuities™
      • Hybrid Annuities versus Pre-Issued Annuities ™
    • Annuity Glossary
  • Articles
    • How Do MarketFree™ Annuities Work?
    • Are Annuities Safe?
    • Living Benefits
    • FIA Performance
    • Beware of FIAs?
    • Annuities & Retirement
    • Annuities & Estate Tax
    • Rollovers & Annuities
    • Annuities & Tax
    • Charity & Annuities
    • The Lost Decade
    • Best Annuity Videos
    • Social Security Benefits
  • Calculators
    • Retirement Planning Calculator — Basic
    • Retirement Shortfall Calculator — Basic
    • Immediate Annuity Calculator & Quotes
    • Fixed Index Annuity Calculator & Fixed Annuity Calculator
    • Variable Annuity Calculator & Hybrid Annuity Calculator
  • Blog
    • Annuity Guys® Weekly Annuity Video Blogs
  • Get Annuity Guys Help
    • Request Annuity Guys’ Planning Help Today
You are here: Home / Annuity Types / Hybrid Annuities Explained / Annuity Income Riders-Fixed,Index,Variable&Hybrid-GWIB,GWB

Annuity Income Riders-Fixed,Index,Variable&Hybrid-GWIB,GWB

Annuity Income Riders – Fixed, Index, Variable & Hybrid – GWIB, GWB…


Income riders have changed dramatically over the last decade. These innovative new annuity income riders ( also available on some fixed and variable annuities#) secure future income on a higher **guaranteed basis than what could be the potential outcome if money is left at risk in the market or invested in low earning bank savings accounts. Also, they offer a pension style income that cannot be outlived, and one more thing did I mention — any money that the annuity owner does not spend or use for income goes to heirs at death with no penalties! — what other pension does that? There are also some that even go a step further and help with long-term care or home health care needs as well without sacrificing needed recurring retirement income. Enjoy this video by Dick and Eric on today’s popular and innovative new annuity income riders:

Video: Annuity Guys® Dick& Eric, discuss annuity income riders and how they can work to improve your retirement.

**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. During this segment, Dick and Eric are referring to Fixed Annuities unless otherwise specified.

Review 3-Best Retirement Annuities for Your
GROWTH, INCOME & SAFETY!

 

Secure Your Retirement using Living Benefit Annuity Income Riders

Living benefit income riders are another optional benefit that may be chosen on many annuity contracts. These riders must be requested at the time an annuity is purchased, as it is highly unusual to be allowed to add a living benefit rider to an existing annuity.

The first income riders were introduced on variable annuities# at the turn of the twenty-first century and were created to protect the annuities ability to generate future income despite investment risk to principal. This is accomplished by **guaranteeing the minimum level of income that can exceed what is payable from the annuity investment account value and is paid at a potentially higher income rate regardless of weak growth or losses in the variable annuity# investment account value. These types of riders became competitively available a few years afterward on fixed, as well as fixed index or hybrid annuities so that not only the income but also the principal could be contractual **guaranteed.

These riders can provide annuity holders with a  for life, and––unlike the immediate annuity––without the need to give up access to the principal in the annuities cash value.

A living benefit rider on an annuity can help to reduce the risk of substantial loss with a variable annuity# by providing **guaranteed payouts for the risk-averse variable annuity# holder. Although these riders require additional fees, they will provide a secure **guarantee to protect the variable annuity# income against declines in the market, in addition to providing a **guaranteed minimum income that will not fluctuate.

With income riders, the income value is totally separate from the annuity’s accumulation value. Normally with variable annuities#, this income value will grow at a 5 percent to 6 percent compounding rate of interest. Hybrid or fixed index annuities typically have higher income account growth compounded at 6 percent to 8 percent.  Then, when the annuity holder starts taking lifetime withdrawals from the account, there is a payout percentage factor based on the owner’s age that is applied to the income value to determine the amount of the **guaranteed-for-life income withdrawals. For example; a seventy-year-old retiree may be allowed to take a 6 percent draw on his or her income account value of say one million dollars, which equates to sixty thousand dollars of income annually as long as he or she is alive. This is true even if his or her cash value account has only seven hundred thousand dollars accumulated from low-interest earnings and runs out in twelve years or so with continued poor earnings.

If the cash accumulation value is higher than the income account value when the annuity holder starts receiving the income from the annuity, then the accumulation value will be used in the calculation of the life payout instead of the income account value. Once the **guaranteed withdrawal payout percentage amount is determined based on age, the annuity holder may then begin to withdraw that amount of revenue from the annuity each year on a monthly, quarterly, semi-annual, or annual basis throughout the remainder of his or her life.

When the annuity holder begins receiving this payout, he or she will typically have several **guarantees. Two of these include:

  • The additional crediting of interest to the annuity’s cash accumulation value, along with continued access to the cash value when needed from the remaining cash accumulation value. (Warning; these excess withdrawals can substantially lower being paid out for life)
  • Even though the annual **guaranteed withdrawals from the annuity may deplete the cash accumulation account value over time, the issuing insurance company must continue to make the payments as long as the annuity holder lives, including to the spouse, if a joint payee is selected.

 How Annuity Income Riders Work 

Value

Accumulation Value

Income Value

How It Is Used

This is the cash basis for most annuity benefit calculations, including the value to be paid at death, surrender, or maturity.

This is the cash account value.

It has one primary purpose: it is the value or formula that is used to determine the lifetime amount of each payment that may be minimal **guaranteed by the annuity. There is no cash account value here only an income stream.

How It Grows

Interest plus any bonus is applied to an annuity allocation dollar amount using a choice of fixed or market index interest strategies for growth.

Interest plus any bonus that was applied to the funds allocated to the annuity then income account growth is **guaranteed at a contractual percentage while in deferral.

Types of Living Benefit Riders

There are several types of living benefit riders, and they all differ in terms of the benefits that they can provide. Some of these riders include:

Guaranteed Minimum Income Benefit Rider

This living benefit rider **guarantees a minimum future payout, regardless of how the market performs. However, this rider will typically require that the accumulation phase of the annuity be kept in force for a specified time period before the rider will take effect.

This rider is designed to provide the annuity holder with a base amount of lifetime income when he or she retires, regardless of how the interest or investments inside of the account have performed.

It will **guarantee that when the annuity owner is eligible to annuitize the contract––either for life, life plus a certain time period, or for the lives of two individuals––then the annuity income payments will be based on the greater of either the amount that was contributed plus a predetermined interest rate or the maximum anniversary balance of the cash value account based on interest applied or underlying investment earnings prior to annuitization.

In order to receive this benefit, the annuity holder must annuitize the account. In addition, there is normally a required holding period of ten years before this rider may be exercised.

Guaranteed Minimum Accumulation Benefit Rider

This living benefit rider will ensure that the annuity holder is able to retain the value of the contributions plus a minimum growth, regardless of the investment losses or lower earnings. This benefit will also require a specified period of time to determine if the annuity’s investments or interest is lower than the **guarantee; the annuity issuer will then make up the difference in income as required.

In other words, the **guaranteed minimum accumulation benefit rider will **guarantee that an annuity owner’s income account value will be at least equal to a certain minimum percentage of the amount that was contributed after a specified number of years, regardless of the actual performance of the investments. Typically, the holding period is somewhere between seven and ten years.

Guaranteed Minimum Withdrawal Benefit Rider

This living benefit rider option will **guarantee a return of the contribution amount through a series of fixed annual withdrawals. These annual withdrawals are **guaranteed until the annuity holder’s principal is returned, regardless of the investment performance or interest earnings.

Therefore, this rider **guarantees that a certain percentage of the amount that is contributed can be withdrawn annually until the entire amount is completely recovered, regardless of market performance. It should be noted that in this case, reducing the amount of the withdrawal in one year will not allow the annuitant to increase withdrawals in subsequent years.

However, if the annuity owner decides to defer the withdrawals and the value of the annuity account grows, then the amount of subsequent withdrawals that are allowed could be larger.

If the investments in the annuity account perform well, then there will be an excess amount in the account at the end of the withdrawal period. However, if the underlying investments perform poorly and the value of the annuity account is depleted before the end of the withdrawal period, then the annuity owner can still continue making withdrawals until the full amount of the original contribution is recovered.

Also, should the annuity owner decide to terminate the account before the end of the withdrawal period, he or she may then receive the amount of the cash surrender value of the annuity which could be considerably less than the systematic and **guaranteed withdrawals.

Guaranteed Lifetime Withdrawal Benefit (GLWB)

Another more recent type of **guaranteed minimum withdrawal benefit that was introduced into the annuity world is the **guaranteed lifetime withdrawal benefit. Here, it is **guaranteed that a certain percentage of the account value––usually between 4 and 8 percent, depending upon the youngest of the annuitant’s or spouse’s age if a joint income payout is selected––may be withdrawn each year for as long as the annuity holder or spouse, if joint, lives. This percentage varies, depending on the annuitant’s age when he or she begins taking withdrawals.

While in deferral, this type of **guaranteed lifetime withdrawal benefit can compound at 6 to 8 percent or more on a **guaranteed basis. This is not to be confused with the actual annuity cash value account. This account has no real cash in it. It is simply an accounting ledger to determine minimum income owed at the present or some future date.

Surrenders

Typically, deferred annuities will allow the owner to surrender the contract during the accumulation phase and receive a cash payment. The amount that is received is called the cash value or cash surrender value. This sum is equal to the sum of contributions made to the annuity plus any earnings minus any prior withdrawals or charges.

The annuity owner may take a partial withdrawal if he or she cannot fully surrender the annuity during the accumulation phase without a penalty. However, there may be some surrender penalties incurred if more than the penalty-free portion is withdrawn, which is usually about 10 percent annually, as well as federal income tax due on any of the gain.

The amount that is paid to the annuity owner upon surrender may be subject to a surrender penalty. These penalties typically range from 5 to 12 percent. Some deferred annuities will impose a surrender change only for an initial period after the annuity contract is initiated, while other annuities begin a new surrender charge period for each contribution that is made into the annuity. In most cases, however, these surrender charges will typically decline to zero after a specified period has elapsed.

If the annuity owner elects to take a partial surrender, he or she will have the option to do so as a pre-scheduled series of payments under a systematic withdrawal plan. Many annuities will allow annual withdrawals of 10 percent or more of the annuity accounts cash value that is free of surrender penalty charges. In any case, federal or state tax may apply to a portion or the entire withdrawal amount and, when younger than fifty-nine and a half, the tax code may impose a 10 percent penalty for any early withdrawal.

Long-Term Care Protection

Some annuities offer features that are designed to address long-term care needs, such as increased income payouts of two to three times the actual cash account value for long-term care needs. In fact, many annuity accounts also allow their owners to withdraw funds from the account for these needs without incurring any surrender charge or penalty. For example, surrender charges might be waived if the annuity owner has been confined to a nursing home for a minimum period or if he or she is suffering a terminal type of illness.

Additional access to penalty-free funds could even be available for home health care, caregiving, consultation services, or certain types of discounted long-term care services from a specific group of providers.

Are Annuity Income Riders a Good Choice?

To truly determine if a living benefit rider is best for a retirement plan, it is important to understand exactly what the purpose of the annuity will be. For example, certain questions should be answered, such as:

  • What is the purpose for the funds?
  • Does the annuity income stream need to start soon or at some later time?
  • How much income will be needed?
  • Is it important to leave money to heirs?
  • Is long-term care spend-down a concern?
  • How much control should be maintained over the money?
  • Is outliving income a concern?

Once the answers to these questions about a retiree’s specific situation is determined, there is some information that must be gathered about the income rider being considered. Some of the important details include:

What is the roll-up rate? Many annuity income benefit riders offer a **guaranteed rate of growth, or roll-up, of between 5 and 10 percent. This roll-up rate is essentially the **guaranteed annual rate at which the income base will grow. Therefore, if an annuity with a contribution amount of $100,000 offers a ten-year income rider at 8 percent, then the income base would be $215,892 just before the payout period. Then, at the end of the ten years, the income stream from the annuity would be based on an annual percentage of the income base determined by the annuitant’s or joint payee’s age at the time that the payout phase began.

Is the interest being credited compound or simple? When comparing different types of annuity income riders, it is important to truly understand the type of interest being credited. For example, a 10 percent roll-up rate is typically going to be based on simple interest, and 10 percent simple interest is the same as 7.2 percent compounded for ten years after that the compounded rate grows much faster and larger.

How many years can the income base accumulate? There are many income riders that will not allow the income base to accumulate beyond ten years before the annuity holder must start taking the income payout. However, there are a select few that allow much longer accumulation periods.

What are the fees now, and can those fees increase over time? Many annuity income riders will have fees of between .40 percent and .95 percent. Also, there are some that may be allowed to increase the fees, after a specified number of years, up to 1.5 percent or more.

What account are the fees assessed to? It is important to understand whether any fees are being deducted from the accumulation value or the income base because there may be times when the accumulation value does not grow. In this case, it would be better to have any fees deducted from the accumulation value.

When are fees deducted? Typically, fees will be deducted on a monthly basis. However, some annuity issuers will deduct them on an annual basis.

Will the income base on the annuity continue accumulating if the annuity holder takes a free partial withdrawal or a required minimum distribution from the base contract? This information is important to know because with some income riders the income base account will stop the **guaranteed roll-up percentage forever if a partial withdrawal is taken.

Are there any additional benefits triggered for long-term care or the loss of function in doing basic daily activities? Sometimes an annuity will offer to increase the income benefit in these types of cases.

Can the annuity holder remove the income benefit rider from the annuity? Some income benefit riders are revocable, and others are not.

Is it possible to get more than just the accumulation value upon death? With most income riders, when the annuitant takes income from the annuity, it will deplete the accumulation. When the annuity holder passes away, then his or her heirs will not receive the income base. Instead, they will receive whatever amount is left of the accumulation account value; if the annuitant lives a long life, there may not be anything left. There are a few annuities that allow the income base, if it is greater than the accumulation account, to be paid out to heirs over a specified period.

Five Retirement & Annuity Calculators

Best Advanced Retirement Income Calculator - Free
  • Advanced Retirement Annuity Income Calculator
  • Advanced Financial Planning
    Retirement Income Calculator
    Save Reports & Planning Docs!
  • This powerful calculator doesn't guarantee accuracy or any future results. You should use a licensed financial planner to confirm all of your calculations.
    Instant Access - Confidential - Easy Opt-Out


Using OutCome Based Planning™ for Your Retirement

We practice and recommend a "Holistic - OutCome Based Planning™ process when considering annuities." This approach has the effect of balancing your overall portfolio so you can meet your retirement objectives by "first identifying the least amount of your investments or savings (if any) that should be considered for annuities." OutCome Based Planning™ analyzes and models multiple outcomes so you can clearly identify your best income and growth opportunities.

"The Annuity Guys will only call if you request help". Hence, when you are ready for specialized help we will be available.
"Working with an Experienced Fiduciary Financial Planner can help you Avoid a Trial & Error or Risk Based Retirement"
  • *FIDUCIARY RETIREMENT REVIEWS
    Second Opinions Improve Retirements
     
    "For Your Retirement's Success"
     Choose a *Fiduciary Advisor who gives you Full Disclosure of Cost & Selection.
     
    Material Fact 1:
      About 90% of advisors ARE NOT REQUIRED by law to do what is best for their clients!
     
    Material Fact 2:
     Fiduciary Advisors ARE REQUIRED by law to do what's best for their clients! 
     
      Hence, clients of a fiduciary can know that their advisor chose the highest legal standard required by law to work strictly for their highest good.
     
     We estimate Fiduciaries are less than 10% of total U.S. financial service providers. Fiduciaries are held to the highest client legal standard of financial planning and investment advice.
     
     The other 90% are sales oriented advisors, brokers, bank reps, registered reps. & insurance agents, selling products on a much lower suitability legal standard, not necessarily what's best for their client!
     
       Fiduciaries also must disclose conflicts of interest that could potentially bias their advice, such as; selling products that pay them higher commissions having higher fees or costs, and their lack of investment product access limiting their client's opportunities, to name a few.
     
    Choosing your advisor can have
    "The Largest Single Impact on
    Your Retirement's Success or Failure"

This type of approach does take considerably more time, effort and analysis which will show you mathematically the successful possibilities by comparing various outcomes rather than trying to sell or convince you of that "so-called one best solution." Clients frequently tell us that this process removes some of the confusion and emotion to help them objectively identify a better retirement plan; rather than just ending up with the most convincing salesperson or advisor.

When requesting help you can be assured of working with an experienced Annuity Guys' Retirement Planner who is independently insurance licensed and securities licensed as a fiduciary financial planner having access to the vast majority of annuity companies in helping you choose the best annuities using a holistic-outcome based planning approach. We consider the high quality advisor recommendations we make to our website visitors as a direct reflection back on our commitment to serve all client's with a high standard of excellence in financial planning for retirement.

Based on survey feedback on advisors from our website visitors, we eliminated about two-hundred local advisors and now only recommend a few that we consider experienced vetted Annuity Guys' Fiduciary Advisors. Many local advisors continue requesting us to recommend them as a vetted advisor. However, our reputation and future business is driven only by satisfied website visitors. So, unfortunately we've had to tell the vast majority of local advisors no, since we changed our business model four years ago. At that time we stopped trying to satisfy everyone with local advisors, we now primarily work with individuals who are comfortable using today's internet technology to their fullest advantage by working with a select group of vetted, experienced and knowledgeable Annuity Guys' Fiduciary Planners.


Get Full Video Access & Our Library Edition - Annuity Reference Book
Fiduciary Retirement Review
Is Your Annuity Advisor a Salesman or a Fiduciary?
2022 Advisor Report
  • *FIDUCIARY RETIREMENT REVIEWS
    No Cost or Obligation - Annuity Guys
     
    "For Your Retirement's Success"
     
    Choose a *Fiduciary Advisor who gives you Full Disclosure of Cost & Selection.
     
    Fiduciary Advisors 10% - Sales Advisors 90% 
     
    2023 Financial Advisor Summary Report
     *Fiduciary Financial Planners we estimate at less than 10% of total US financial advisors.
    The other 90% of advisors are salespeople such as brokers, bank reps, registered reps. & insurance agents.

     Advisors licensed only as a sales oriented securities broker, registered rep, or insurance agent, ARE NOT Fiduciaries! They work on a much lower legal standard of Suitability which does not require full disclosure and only requires a suitable product sale, NOT what's actually best for their client!

      Fiduciary Financial Planners by law are subject to the highest standard of financial planning and investment advice accountability.
      Hence, clients of a fiduciary can know that their advisor is required legally to work strictly for their highest benefit.

      This is also referred to as the prudent man rule, which in simple terms means that by licensing as a Series 65 Investment Advisor / Financial Planner they must give clients the best advice they are capable of based on all the knowledge they possess and information they have access to, in the same way they would advise and help close friends or family members.

      Fiduciaries also must disclose all known conflicts of interest that could potentially bias their advice, such as - selling financial products that pay them higher  commissions with higher fees or costs, and their lack of investment product availability for their clients' needs, just to name a few.
     
    Choosing your advisor can have
    "The Largest Single Impact on
    Your Retirement's Success or Failure"

Priority Mail - Free Shipping!Our Gift to You

After confirming your request for help and shipping address by phone, we will immediately send your FREE personally signed Library Edition of our popular Annuity Reference Book "The New Retirement" plus Fact-Filled, Full Video Access!

Learn the 3 Best Annuities to Help
ASSURE YOUR RETIREMENT'S SUCCESS!

Selecting the Best Annuity & Retirement Income Advisor

Are you willing to work with one of our retirement and annuity advisors based on their experience and expertise as a first priority rather than being limited by a local or regional area? The good news is that technology has forever eliminated our geographical limitations and leveled the playing field for everyone! As a result of today's technological advances, all of us can now work confidently with experts in any field including personal finance. We are no longer confined by regional or local boundaries limiting our choices and ultimate success. A high quality advisor is now as close as a click or phone call away.

Video:"Choose a National or Local Advisor"?
"There is no room for trial and error when it comes to choosing MarketFree® Annuities or a Successful Retirement Planner."
When you think about it, your money is almost always in some other state with a custodian; whether invested in the market or with an annuity insurance company, the advisors competence is primarily needed when positioning your money initially. So working with a specialized expert in a financial discipline like investments or retirement planning is imperative. There are no undo buttons in retirement! Once the annuities get set up correctly, it is customary and more efficient for owners to benefit by having direct access to the issuer instead of having to go through the agent. And, of course any reputable advisor, local or national, is more than willing to assist their clients if needed after they are implemented.
Video:"Why These 3 Types of Annuity Advisors are Not Created Equal"
"There are no undo buttons in retirement so it is vitally important that you do it right the first time!"

We are fortunate to have a select few who we believe are truly the highest qualified advisors out of about two hundred licensed insurance agents that we eliminated. Your survey feedback is what helps us make these tough decisions. Our advisors have an independent financial practice, specializing in annuities and retirement planning, which helps ensure that you are given the best options available for your retirement planning.

Video: "How Much of Your Money Should You Consider Placing into Annuities"?
"It takes an experienced expert to know how to structure annuities for income, inflation, growth, return of principal, and tax advantage."

"Anyone can sell you an annuity; however, it takes a truly qualified and experienced advisor to know how to structure them for income, inflation, growth, return of principal, and tax advantage. Typically, there is not just one that can accomplish all of these objectives. It is how an advisor structures multiple annuities in balancing your total portfolio that makes it possible to achieve your most important retirement objectives."

Video: "How to Choose a Great retirement Advisor"?

Why Searching for the Best Annuities on Your Own Can be so Frustrating...

Almost everyone nowadays turns to the internet for answers on everything - from buying new widgets to researching just about everything under the sun; and finding the best annuity is no exception!At first, it may seem that researching will be straightforward but the more time you spend researching them, the more frustrating it can be. Why is this? First of all, it does not take long to realize that gimmicks abound - such as warnings and alerts from salesmen who just want your attention so they can sell you one or the "too good to be true" claims of 8% to 14% **guaranteed interest and of course the claim that you can get the full market upside with no downside risk! If you have done any research you have heard all of these claims in advertising which are mostly half truths and not fully explained.So how can you find the best annuities on the internet? The truth is... you can't! And what is even more frustrating is all the conflicting points of view from so called experts. There are well over 6,000 different annuities - all designed for different reasons, so is it any wonder that the deck is stacked against the average researcher or do-it-yourselfer. Add to that the fact that they pay high enough commissions to attract a plethora of both good and bad agents. This does not make annuities good or bad; they are simply a financial tool that truly benefit those who use them correctly.How can you find the best annuities for your unique situation?
  • Use the internet cautiously;
  • Work with a vetted and experienced specialist;
  • Do not settle for that one dubious best plan. Compare multiple Outcome Based Plans to decide on the one that is truly best for you;
  • Be keenly aware of scare tactics and hyperbole - avoid those advisors and websites;
  • Avoid websites that are focused on rushing free reports, rates and quotes to get your contact information they are rushing you to speak with them, instead, take your time and choose someone you are more comfortable with that works on your time-table;
  • Know the Five Vital Factors (listed above) that an experienced specialist must answer before helping you select the best options for your situation;
  • Watch this telling video "Avoid Annuity Gimmicks, Amateurs and Charlatans"...

Video: "Avoiding Gimmicks, Scams & Charlatans"

  ** 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. Annuities are not FDIC insured and it is possible to lose money.
They are insurance products that require a premium to be paid for purchase.
Annuities do not accept or receive deposits and are not to be confused with bank issued financial instruments.
During all video segments, Dick and Eric are referring to Fixed Annuities unless otherwise specified.

  *Retirement Planning and annuity purchase assistance may be provided by Eric Judy or by referral to a recommended, experienced, Fiduciary Investment Advisor in helping our website visitors. Dick Van Dyke semi-retired from his Investment Advisory Practice in 2012 and now focuses on this website. He still maintains his insurance license in good standing and assists his current clients.
Our vetted and recommended Fiduciary Financial Planners are required to be properly licensed in assisting clients with their annuity and retirement planning needs. (Due diligence as a client is still always necessary when working with any advisor to check their current standing.)


Site Terms & Disclosure

  1. All tools, videos or information visible on this website's pages, television, or other media are for educational and conceptual purposes only.
  2. 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. Media logos are not any type of endorsement, they only imply that one or more of the Annuity Guys have written for, been quoted by, or appeared on the listed news outlet, broadcast or cable channels, or branded programs for non-advertising and/or advertising purposes, to offer educational and conceptual information about retirement issues.
  7. Income is guaranteed by annuitization or income riders that may have additional costs or fees.
  8. http://www.annuityguys.net & http://www.annuityguys.com forward to https://annuityguys.org. - 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 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 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. This website is not affiliated with or endorsed by the Social Security Administration.
  22. *"Best” refers only to the opinion of Dick, this site's 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. AnnuityRateWatch.com, is only a linked to subscription service, which is not affiliated with this site, it supplies and updates all Annuity Rates, Features Ratings, Fees and Riders. AnnuityRateWatch.com'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. Eric may also recommend these prospective clients to an advisor and earn a referral fee or a referral commission split.
  28. Vetted 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 us 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. We have 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.

 

Empowering Annuity Reference Book

 
DOWN-LOAD NOW - FREE!
  • Annuity Guys Reference Book - 250 pages of Annuity Facts

  • "The New Retirement"
    Annuity Reference Book 
    Free Instant Download
  • Confidential - Easy Opt Out

 

  • Can Annuities Help You Avoid the 2016 Crash!

    Can Annuities Help You Avoid the 2016 Crash!

    Can Annuities Help You Avoid the 2016 Crash?… Absolutely!If you think like many Americans and some economic experts that a …Read More »
  • Are Annuities the Best Answer to High Retirement Costs?

    Are Annuities the Best Answer to High Retirement Costs?

    The closer you are to retiring, the easier it is predicting how much income you will need in retirement to be comfortable and enjoy the …Read More »
  • Social Security and Income Planning

    Social Security and Income Planning

    We’re the Annuity Guys®!  So, why would we be video blogging like a couple of government bureaucrats about Social Security? What …Read More »

Revealing Fun Video: Fiduciary Advisors Vs. Annuity Salesmen
MUST KNOW FACTS 90% of
ANNUITY ADVISORS AVOID TELLING!
  • *FIDUCIARY RETIREMENT REVIEWS
    Second Opinions Improve Retirements
     
    "For Your Retirement's Success"
     Choose a *Fiduciary Advisor who gives you Full Disclosure of Cost & Selection.
     
    Material Fact 1:
      About 90% of advisors ARE NOT REQUIRED by law to do what is best for their clients!
     
    Material Fact 2:
     Fiduciary Advisors ARE REQUIRED by law to do what's best for their clients! 
     
      Hence, clients of a fiduciary can know that their advisor chose the highest legal standard required by law to work strictly for their highest good.
     
     We estimate Fiduciaries are less than 10% of total U.S. financial service providers. Fiduciaries are held to the highest client legal standard of financial planning and investment advice.
     
     The other 90% are sales oriented advisors, brokers, bank reps, registered reps. & insurance agents, selling products on a much lower suitability legal standard, not necessarily what's best for their client!
     
       Fiduciaries also must disclose conflicts of interest that could potentially bias their advice, such as; selling products that pay them higher commissions having higher fees or costs, and their lack of investment product access limiting their client's opportunities, to name a few.
     
    Choosing your advisor can have
    "The Largest Single Impact on
    Your Retirement's Success or Failure"


  • Government Shutdowns Affect Annuities

    Government Shutdowns Affect Annuities

    Can you feel the impending doom of the government shutdown?Every night, it seems that the media cannot wait to tell …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. …Read More »
  • Relying on Annuities for Retirement Pensions

    Relying on Annuities for Retirement Pensions

    The private sector has been bailing on providing pensions for employees over the last few decades. Now, it appears legislation to …Read More »
  • Are Annuities a Tax Trap?

    Are Annuities a Tax Trap?

    Never buy an annuity – it is a tax trap or so the negative articles say! When I hear the words …Read More »
  • Index Modified Endowment Contract vs a Fixed Index Annuity

    Index Modified Endowment Contract vs a Fixed Index Annuity

    A while back, we attended a training where one of our colleagues waxed poetically about what he called “the best financial …Read More »
  • Why do Wives Prefer Annuities?

    Why do Wives Prefer Annuities?

    Before everyone starts yelling gender discrimination, we know that husbands can prefer annuities too.However, it is not uncommon for us …Read More »
  • Why are Annuities an Excellent Alternative Asset Class?

    Why are Annuities an Excellent Alternative Asset Class?

    What goes up but does not come down? No, this is not the start of some riddle to be answered …Read More »
  • Choosing an Immediate Annuity

    Choosing an Immediate Annuity

    In the golden era of career based retirements, everyone could count on a company paycheck for life in retirement. Unfortunately, in …Read More »

View Our Newest Videos! Subscribe Now
  • Annuity Guys Videos - Annuity Answers
  • New Annuity Guys Videos
    Our Entertaining & Informative
     Saturday Morning Video Blog
  • Timely Retirement & Annuity Issues - Easy Opt Out


  • Annuities Make Life Better for Retirees – Study Reports

    Annuities Make Life Better for Retirees – Study Reports

    Would you rather be happy and optimistic in retirement or worried about spending too much? We know it sounds like …Read More »
  • Choosing a Hybrid Annuity

    Choosing a Hybrid Annuity

    Why are so many folks choosing hybrid annuities for their retirement?Let’s summarize the four key elements most retirees are looking for that make …Read More »
  • Will a Collapsed Dollar Harm Annuities?

    Will a Collapsed Dollar Harm Annuities?

    Jack in CA asks; If the dollar goes into a nose-dive,  how safe will it be to own an immediate, fixed or …Read More »
  • Does Your State Have Good Annuities?

    Does Your State Have Good Annuities?

    There’s no place like home… but when it comes to annuities, your Home State may not be the best place for …Read More »
  • Smooth Market Volatility with Fixed Index Annuities

    Smooth Market Volatility with Fixed Index Annuities

    We all have heard the saying “what goes up, must come down” However, when it comes to your retirement portfolio …Read More »
  • What’s Your Best Retirement Income Strategy?

    What’s Your Best Retirement Income Strategy?

    Retirement encompasses many joys, fears, and unknowns. One of the biggest fears according to our field observations is running out …Read More »
  • Are 8% to 15% Returns an Annuity Scam?

    Are 8% to 15% Returns an Annuity Scam?

    “Eight Percent Annual Annuity Returns”… or even better!  Before You Lock In Rates… Discover Up To 15% Income For Life …Read More »
  • Are Annuities a Better Answer for The Impending Correction?

    Are Annuities a Better Answer for The Impending Correction?

    Sir Isaac Newton said it best, “What goes up must come down.” Even this booming V shaped recovery is no …Read More »
Get Newly Released Annuity Guys® Videos on Saturday Mornings
  • Annuity Guys Videos - Annuity Answers
  • New Annuity Guys Videos
    Our Entertaining & Informative
     Saturday Morning Video Blog
  • Timely Retirement & Annuity Issues - Easy Opt Out


  • The China Affect on Annuities…

    The China Affect on Annuities…

    There has been no shortage of China headlines as their economy faces major headwinds. It would be naive to think …Read More »
  • Will Rising Interest Rates affect Stocks, Bonds, and Annuities?

    Will Rising Interest Rates affect Stocks, Bonds, and Annuities?

    With President Biden overseeing our pandemic induced V shaped recovery, some experts believe the Federal Reserve Bank needs to begin …Read More »
  • Can a Hybrid Annuity Uncapped Index Pay Higher Interest?

    Can a Hybrid Annuity Uncapped Index Pay Higher Interest?

    Should annuity buyers be giddy because they can own an annuity with no limiting upside cap and of market loss? Well, maybe, …Read More »
  • Avoid Tax Moving IRAs and 401Ks to Annuities

    Avoid Tax Moving IRAs and 401Ks to Annuities

    Death and taxes may be certainties of life… but it doesn’t mean we should not do all we can to …Read More »
  • Reduce Your Concern of Outliving Retirement Dollars!

    Reduce Your Concern of Outliving Retirement Dollars!

    Have you ever made a trip to the grocery store where you picked up a few items, walked up to …Read More »
  • Is a Pre-Issued Annuity right for you? – Part 1

    Is a Pre-Issued Annuity right for you? – Part 1

    This is a two part blog on Pre-Issued Annuities. In part 1 we will examine some of the reason why …Read More »
  • Can Annuities Save Your Assets?

    Can Annuities Save Your Assets?

    There is an old saying that goes – “there is nothing **guaranteed in this life other than death, annuities and …Read More »
  • Is an Annuity the Wrong Choice for You?

    Is an Annuity the Wrong Choice for You?

    Should I or shouldn’t I – that is the question.Many of our site visitors struggle with the decision to choose an annuity …Read More »
  • Top Five Reasons, Not to Buy an Annuity!

    Top Five Reasons, Not to Buy an Annuity!

    Let’s be honest, there are plenty of reason why someone should not buy an annuity. As Annuity Guys, we understand …Read More »
  • Millions of Pensions Dumped – Can Annuities Fill the Gap?

    Millions of Pensions Dumped – Can Annuities Fill the Gap?

    Every time you turn on the news it seems we are bombarded with information on pension reform or the scaling back …Read More »

 

Empowering Annuity Reference Book

 
Start Reading Now - Instant Download
  • Annuity Guys Reference Book - 250 pages of Annuity Facts

  • "The New Retirement"
    Annuity Reference Book 
    Free Instant Download
  • Confidential - Easy Opt Out

 
Comprehensive Site Terms and Disclosure | Privacy Policy | Copyright © 2023 Annuity Guys®


  ** 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. Annuities are not FDIC insured and it is possible to lose money.
Annuities are insurance products that require a premium to be paid for purchase.
Annuities do not accept or receive deposits and are not to be confused with bank issued financial instruments.
During all video segments, Dick and Eric are referring to Fixed Annuities unless otherwise specified.


  *Retirement Planning and annuity purchase assistance may be provided by Eric Judy or by referral to a recommended, experienced, Fiduciary Investment Advisor in helping Annuity Guys website visitors. Dick Van Dyke semi-retired from his Investment Advisory Practice in 2012 and now focuses on this educational Annuity Guys Website. He still maintains his insurance license in good standing and assists his current clients.
Annuity Guys' vetted and recommended Fiduciary Financial Planners are required to be properly licensed in assisting clients with their annuity and retirement planning needs. (Due diligence as a client is still always necessary when working with any advisor to check their current standing.)



  # Investors should consider the investment objectives, risks, charges and expenses of a variable annuity and its underlying investment options. The current prospectus and underlying prospectuses, which are contained in the same document, provide this and other important information. Please contact an Investment Professional or the issuing Company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money.


  ^ Investors should consider investment objectives, risk, charges, and expenses carefully before investing. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.


  ^ Eric Judy offers advisory services through Client One Securities, LLC an Investment Advisor. Annuity Guys Ltd. and Client One Securities, LLC are not affiliated.


346 SHARES