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!

Header Right Phone
  • 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 / Pre-Issued Annuities™

Pre-Issued Annuities™

Today's Top Ten Fixed Annuity Rates (MYGA)

 
Protect Your Retirement - Read Annuity Reviews & Avoid The WRONG Annuities!
 
Over 60 Companies & 4,000 Impartial Annuity Reviews!
  • Best Annuity Rates & Reviews
  • Today's Updated Annuity Reviews
    Compare Best, Rates, Features, Ratings, Fees & Riders
    Instant Access > Enter Email > Compare
  • 4,000+ Reviews Updated Daily - Easy Opt Out
    Encrypted, Secure, Confidential
-->
Annuity Reviews are powered by AnnuityRateWatch.com's proprietary database. ALL reviews are continually subject to change and accuracy is never guaranteed since rates and features change frequently. Reviews are provided for conceptual and educational purposes only. REVIEWS ARE NOT A SOLICITATION.

Pros and Cons of Pre-Issued Annuities ™

Pre-Owned Annuities, Structured Settlements, Secondary Market Annuities, Life Contingent Annuities, Inforce Annuities, & Lottery Annuities, Etc.

Pre-Issued Annuities ™ have several positive attributes in common that make them currently in high demand:

  1. High Yields – typically 4.5 to 7 percent.
  2. Safety – payment streams are **guaranteed by highly rated insurance companies
  3. Safety – Court order process protects both buyer and seller
  4. Safety – Issuers – regulated by State Insurance Commissions with **guarantee associations .
  5. Fixed and reliable income streams
  6. Diversification for portfolios of sophisticated investors
  7. Truly a non-market correlated asset
  8. IRA or Qualified Account compatibility
  9. Estate transfer to heirs
  10. Twenty year plus successful transaction history

  

 

So now let’s consider some of the negatives on a Pre-Issued Annuity ™ :

  1. Limited liquidity selling your payment stream prior to maturity could result in a considerable loss.
  2. The court order process should be monitored by an expert attorney that is retained by you.
  3. The best Pre-Issued Annuities ™ never make it to the internet or retail lists.
  4. The industry is controlled by a few power players catering to institutional investors.
  5. Contracts require a 10% to 20% escrow to secure your future ownership during the court order process tying up some of your money at low or no interest for up to 90 days.
  6. Approximately thirty percent of initiated contracts get rejected by the court and you get your escrow back to start over.
  7. The industry is full of highly motivated commission oriented sales people that will promise the world and then fall short on delivery they would prefer for you to not have your own expert attorney.
  8. Contracts are often discounted by two to four brokers away from the source diluting your potential yield.
  9. Most contracts available on the internet are older inventory that has been picked over already
  10. Life contingent contracts can end abruptly with an insurance company paying back your principal and yield early since the annuitant died unexpectedly.
  11. Not FDIC insured.

  

 

 

Is a Pre-Issued Annuity™ right for you?

If you think like most of our clients in this low interest rate environment the answer is a resounding YES!

Once you understand the high yielding yet safe nature of these financial vehicles it becomes apparent quickly that most of us have money that would be well suited to this type of strategy. The biggest question most individual investors have is how do I get started  without making a mistake that I will regret. The key is using an expert that specializes in this field having a legal and fiduciary interest towards you as the client. The best advisor for this will have experience in the industry, inside sources for access to the best available contracts, and be a practicing attorney to follow and assure the validity of the court order process.

Finding a Pre-Issued Annuity™ expert advisor…

Unfortunately most advisors that have the all around qualifications that you need are already enlisted at the firms that are harvesting these payment streams. There are a few others however if you look around on the internet or you happen to know someone well that is connected to this industry. Our website visitors have the advantage of using the same independent expert attorney that we frequently refer some of our clients too. This is one area where we may be able to assist you further after discussing your situation to find out if a Pre-Issued Annuity™ seems suitable then we will gladly refer you to our expert attorney his retainer will typically be around five hundred dollars and he will be paid something additional by the company that brings the Pre-Issued Annuities™ to market however your net yield that is agreed too will not be affected. For example if you paid an attorney $500.00 to represent your best interest in securing a Pre-Issued Annuity™ and he brought you one that produced a six percent APY he or she then received a one time payout of fifty basis points as his full compensation your six percent APY would not be affected. These companies always pay someone a commission it might as well be an expert attorney advisor that can charge you a much lower direct retainer since the company pays him a nice administrative fee or commission whatever you may choose to call it. The attorney is your safety net he or she is a skilled professional that has a vested interest in your success if he or she does not act in your best interest they could lose their practice unlike an less competent commissioned sales person that says I am sorry and moves on to his next client with little or no obligation to you.

Find out for yourself what others have discovered about these Safe High Yield Returns!

232
SHARES
ShareTweetGoogleLinkedinPinterestSkypeStumbleuponTumblrDeliciousDiggRedditMail

 

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
 

  • 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 »
  • Why Hybrid Annuities Are Game Changers

    Why Hybrid Annuities Are Game Changers

    Two recent studies discuss the overwhelming growth of annuities as a sought after financial product. LIMRA cited the significant growth in …Read More »
  • Annuity Rates vs Bank Interest Rates  – Which is Best?

    Annuity Rates vs Bank Interest Rates – Which is Best?

    Since something is better than nothing, then more of that something is usually even better – thus, the reason why so many traditional bank savers have …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"


  • Are Annuities a Viable Option – As Markets Soar?

    Are Annuities a Viable Option – As Markets Soar?

    The running of the bulls in Pamplona, Spain each July provides for amazing images as young men run alongside the massive …Read More »
  • Identifying Unethical Annuity Advisors

    Identifying Unethical Annuity Advisors

    Practicing as a financial advisor is an honorable profession that is dishonored when its practitioners employ abusive and deceptive sales …Read More »
  • 28 Risks Retirees Face – Part 1

    28 Risks Retirees Face – Part 1

    What are the risks everyone will face in retirement? We recently received a list of retirement risks prepared by the …Read More »
  • How are Annuities, Stocks and Bonds affected by Rising Interest Rates?

    How are Annuities, Stocks and Bonds affected by Rising Interest Rates?

    With President Trump past the mid-term election and in office for nearly two years now, more than ever, many experts believe …Read More »
  • How Much Income Can You Withdraw Safely in Retirement?

    How Much Income Can You Withdraw Safely in Retirement?

    A Reuter’s article hit our desk recently. It’s based on a “safe withdrawal rate” during retirement (safe being relative since we’re …Read More »
  • Annuities vs (IUL) Indexed Universal Life – How do they compare?

    Annuities vs (IUL) Indexed Universal Life – How do they compare?

    What are the differences between a hybrid index annuity and an (IUL) index universal life policy? Wow! Steve, we thought we …Read More »
  • Are MarketFree® Hybrid Annuities Good for Retirement?

    Are MarketFree® Hybrid Annuities Good for Retirement?

    What would the perfect retirement financial vehicle look like if we could design it from the ground up?Would it allow for stock index …Read More »
  • I Don’t Have a Pension – Do I need an Annuity?

    I Don’t Have a Pension – Do I need an Annuity?

    If you are asking this question rest assured you are in good company. Today’s retirement landscape is the result of …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

  • Turning Your 401k into Retirement Income

    Turning Your 401k into Retirement Income

    “If you fail to plan, you are planning to fail!” While Benjamin Franklin was probably not referring to what he …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, at times this may be …Read More »
  • Do Not Waste Time Considering Annuities, If You…

    Do Not Waste Time Considering Annuities, If You…

    Do not waste your time considering annuities if you cannot find one of the following Annuity Profiles that matches your …Read More »
  • What is the Best Annuity?

    What is the Best Annuity?

    Are you trying to figure out which annuity will offer the best way to grow your money and safely generate …Read More »
  • 7 Steps in Avoiding Annuity Information Overload

    7 Steps in Avoiding Annuity Information Overload

    “Information Overload” creates a condition we call “Paralysis of Analysis”. It is the fear of making a poor decision which …Read More »
  • Tax Free Annuities – Limited Supply!

    Tax Free Annuities – Limited Supply!

    Tax Free annuities are entirely possible with some planning and knowledge about Roth conversions.One of the biggest negatives continually re-hashed …Read More »
  • Are Annuities a Good Choice in a Low Interest Rate Environment?

    Are Annuities a Good Choice in a Low Interest Rate Environment?

    One of the questions we have heard asked quite a bit lately, “Is it the right time to buy an …Read More »
  • Annuity Scams – Fear Factor or Reality?

    Annuity Scams – Fear Factor or Reality?

    The Internet is full of warnings and alerts about annuity scams that create the appearance of  industry run amok with …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

  • 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 …Read More »
  • 28 Risks Retirees Face – Part 1

    28 Risks Retirees Face – Part 1

    What are the risks everyone will face in retirement? We recently received a list of retirement risks prepared by the …Read More »
  • 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 »
  • Low Interest Rates Hurt Seniors

    Low Interest Rates Hurt Seniors

    The Federal Reserve Board has not formally relaxed its intention to keep interest rates low through the end of 2014. …Read More »
  • Avoid 50 Percent IRS Penalties on IRA RMDs Using Annuities

    Avoid 50 Percent IRS Penalties on IRA RMDs Using Annuities

    Uncle Sam wants YOU… The Internal Revenue Service (IRS) requires all traditional individual retirement account (IRA) owners to take a …Read More »
  • Fixed Index Annuity & Hybrid Annuity Info

    MarketFree® Fixed Index Annuity Case Study…Case Study:  In November of 2006, Jan and Steve, a couple concerned about the security of …Read More »
  • Annuity Income & Growth to Maintain Principal

    Annuity Income & Growth to Maintain Principal

    Do you remember the first time you heard about annuities? It might have been in a nice restaurant hearing a presentation …Read More »
  • Can Annuities Solve the Retirement Challenge?

    Can Annuities Solve the Retirement Challenge?

    Why does it feel like everyone is talking about annuities these days? Could it be due to the approximately 10,000 …Read More »
  • Can Annuities Eliminate or Reduce Retirement Failure?

    Can Annuities Eliminate or Reduce Retirement Failure?

    The biggest challenge to a successful retirement is living too long and running out of money – regardless of how …Read More »
  • Can MarketFree® Annuities Balance Your Portfolio?

    Can MarketFree® Annuities Balance Your Portfolio?

    With COVID-19 market uncertainty not far from historic highs… what better way to retain your gains than with safer, MarketFree® …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 © 2021 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.


232 SHARES