Comments on: Choosing a Fixed Index Annuity https://annuityguys.org/choosing-a-fixed-index-annuity/ Annuity Rates, Features & Ratings: America's trusted annuity resource. Compare best options for hybrid, index, fixed, variable & immediate annuity quotes. Thu, 07 Apr 2016 16:37:07 +0000 hourly 1 https://wordpress.org/?v=6.5.5 By: by Dick N Eric; Annuity Guys Videos https://annuityguys.org/choosing-a-fixed-index-annuity/#comment-63018 Fri, 15 Aug 2014 17:35:50 +0000 http://annuityguys.org/?p=11461#comment-63018 In reply to Wayne Menzak.

Wayne, I would expect that you are not seeing the entire illustration. Somewhere in the materials there is a page that should the spreads or fees for the annuity. If you need additional assistance please feel free to contact our office and we can help you get to the truth. You can call us at 877-679-0829 for assistance.

]]> By: Wayne Menzak https://annuityguys.org/choosing-a-fixed-index-annuity/#comment-60991 Thu, 14 Aug 2014 15:29:43 +0000 http://annuityguys.org/?p=11461#comment-60991 Dick N Eric, I received a hypothetical presentation of a FIA contract backed by one of the largest global insurance companies using actual market index benchmarks, however, there was no indication of CAPS or SPREADS. An example of this was 17.59%, 17.63% and 11.08% in select years. The sample also had 0.00% and low rates also over the range of years. After listening to your video, I would expect these excessive benchmarks to be capped or have a spread taken or possibly both. This, of course, would alter valuations for these years.
Question: What is your opinion of this type of presentation??? and should it spell out caps (i.e. 10%) and spreads (i.e. 3%) which might reduce the actual rate of a 17% rate to something like 7% (10% cap and 3% spread)???? Please advise.

Regards,

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