Annuity Guarantee Archives | Annuity Guys® https://annuityguys.org/tag/annuity-guarantee/ Annuity Rates, Features & Ratings: America's trusted annuity resource. Compare best options for hybrid, index, fixed, variable & immediate annuity quotes. Tue, 30 Apr 2019 15:12:06 +0000 en-US hourly 1 https://wordpress.org/?v=6.5.5 Seven Ways to Use Annuities for Estate Planning! https://annuityguys.org/annuities-can-they-be-used-effectively-in-estate-planning/ https://annuityguys.org/annuities-can-they-be-used-effectively-in-estate-planning/#respond Wed, 24 Apr 2019 06:00:33 +0000 http://annuityguys.org/?p=5269 Annuities are not commonly thought of as financial tools that are utilized within an Estate Plan. You may be surprised to know that there are, in fact, many ways annuities can be effectively implemented into a well designed estate plan. Did you know… Annuities avoid Probate Court cost, public disclosure, and delays; Charitable gift annuities create tax savings & income while […]

The post Seven Ways to Use Annuities for Estate Planning! appeared first on Annuity Guys®.

]]> Annuities are not commonly thought of as financial tools that are utilized within an Estate Plan. You may be surprised to know that there are, in fact, many ways annuities can be effectively implemented into a well designed estate plan.

Did you know…

  1. Annuities avoid Probate Court cost, public disclosure, and delays;
  2. Charitable gift annuities create tax savings & income while helping charity;
  3. Death Benefit annuities **guarantee a minimum rate of return to heirs;
  4. Qualified (IRA style) annuities and some Non-Qualified (savings style) can be stretched to provide a retirement for children as Inherited IRAs;
  5. Annuities can be disclaimed by listing contingent beneficiaries;
  6. Tax Free Status for both future income and estate transfer can be achieved by placing Roth IRA assets in an annuity;
  7. Annuities work well for wealth transfer when set up to fund life insurance for the purpose of creating a **guaranteed life time funded policy that can be indexed to grow and transfer large amounts of tax free wealth to heirs.
Video: Watch as Dick and Eric discuss using annuities in estate planning.

**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.


 

 Annuities In Estate Planning

Commercial annuities have long been dismissed by some estate planners as being more beneficial to the insurance agent selling them than for the purchaser or beneficiary. However, in these difficult economic times, when it takes sophistication to make good investment decisions and when many estate owners do not have access to that type of professional advice, an annuity can achieve certain goals, even in the largest estates. There are three common scenarios that can arise in an estate plan in which an annuity can prove useful:

  1. Providing for a longtime household employee.
  2. Making a gift or bequest to an individual privately, when there are concerns about his or her ability to handle funds.
  3. Managing the investment of a trust where the surviving spouse is not the parent of the remainder beneficiaries of the trust.

In these scenarios, an immediate annuity-an annuity contract where payments must begin within one year-may be appropriate. A deferred annuity, where funds accumulate until the contract is converted to an income stream, can be a useful tool in some estate planning situations, but not in situations that require payments to begin shortly after the annuity purchase.

Obviously, an annuity is not the sole solution to these situations; often, a trust could achieve the same goals with greater flexibility. However, trusts are expensive. Moreover, the selection of a trustee can be difficult and flexibility may not be a consideration. When this is the case, a commercial immediate annuity should be considered. If annuity payments are needed for the recipient’s lifetime, a life annuity is required. If the goal is merely to provide a set number of payments, a period certain annuity is called for. In either case, consideration should be given to whether the annuity payments ought to be fixed, increase each year or vary with the performance of investments. In the first two cases, a fixed immediate annuity will work. (Many, but not all, immediate annuities offer a cost of living adjustment, in which payments increase each year by a specified percentage). In the third case, a variable immediate annuity is required in which annual payments may increase or decrease, depending upon how the variable investment accounts chosen for the annuity perform.

In any event, an immediate annuity will provide the certainty of an income for a period of years or for the lifetime of the “annuitant.”

The first scenario is one that often arises in the estate plans of very wealthy individuals who employ longtime household help and want to provide for them at their deaths. Typically, the bequest is in the range of $50,000 to $250,000 and is intended to benefit employees who are accustomed to receiving a regular paycheck, with little or no experience dealing with large sums of money. Often, the estate owner is concerned about how well the recipient will manage a lump sum bequest, especially if it is intended to replace, if only in part, the salary he or she enjoyed while employed. [Read More…]


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"

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.



Fiduciary Retirement Review


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!


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.)




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  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.
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  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.
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  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.
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  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.
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The post Seven Ways to Use Annuities for Estate Planning! appeared first on Annuity Guys®.

]]> https://annuityguys.org/annuities-can-they-be-used-effectively-in-estate-planning/feed/ 0 Are Annuity **Guarantees on Their Way Down? https://annuityguys.org/are-annuity-guarantees-on-their-way-down/ https://annuityguys.org/are-annuity-guarantees-on-their-way-down/#respond Sat, 10 Sep 2016 06:00:27 +0000 http://annuityguys.org/?p=18480 “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 […]

The post Are Annuity **Guarantees on Their Way Down? appeared first on Annuity Guys®.

]]> “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 time to buy…[continued below video]

Video: The Annuity Guys, Eric and Dick examine the current economic environment and what it means for annuity **guarantees.

**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.

[continued] …an annuity – after all, we are seeing global interest rates at their lowest level in decades. So, some people say they are just going to wait until rates go up before making any decision.  But what if rates don’t go up? We look at what is happening in Europe and to bonds in many other countries wondering if that could possibly happen to the United States? For those of you who wonder what we mean, just consider Europe for a moment – nine of the major economic countries in Europe are issuing  governments bonds at negative yields on maturities. To state it in the simplest way, bond investors are paying a fee to European governments for the right to lend them money.

So what does that mean for annuities? Insurance companies take a much longer perspective than we typically do as individuals. They have to make decisions based on the financial times that we live in while remaining profitable for the long term – they are charged with protecting their obligations to their clients. When they enter into a new contract, they have to be certain they can fulfill their financial commitment with their investment options at that time. Most of us have assumed that interest rates will improve and this war on retirement savers will end; but what if we enter into a time of deflation as it appears they are fighting in Europe? If that were to happen, annuity income and **guarantees would be forced to decline substantially further for new clients.

As Annuity Guys, we know that you have to make decisions based upon your current circumstances and needs. We always have an eye toward the future and what we think will happen, but we also like to know that our clients have foundational **guarantees that will empower them when they face the economic uncertainties that are almost inevitable. Use annuities for what they do best – safe growth and income **guarantees; regardless of what the stock or bond market does.

What Negative Bond Yields Mean for Investors

By Christopher Whittall

What on Earth has happened to bond yields in Europe?

As much as €1.5 trillion ($1.7 trillion) of euro area debt maturing in more than a year now pays a negative yield, according to J.P. Morgan. That compares to none whatsoever a year ago.

German government bonds offer negative yields on maturities up to six years, according to Tradeweb, along with those in Denmark. For five years, the Netherlands, Austria, Sweden and Finland are in the club. For four years, add France and Belgium. In Switzerland, bonds out to a whopping 13 years in length have negative yields.

And there’s no sign of this trend letting up thanks to fears of deflation and further central banks easing policies.

Here’s what it means for financial markets:

What is negative-yielding debt? In a nutshell, bonds that investors have to pay to own before adjusting for inflation. That might seem like a dud investment, but whether an investor actually loses money by holding the bond depends on what exactly happens to inflation. If it is lower than the yield on the bond, then investors can still make money in real terms. An investor can also make money by re-selling the bond at an even higher price than where they bought it.

How did we get here? A combination of falling inflation and aggressive central bank action. Investors buy bonds in the expectation that they will make a positive return after inflation. If they expect consumer prices to fall, as they did in December in the eurozone, some investors will be willing to buy bonds with negative yields. Central banks have reacted to deflation fears by aggressively easing monetary policy, such as cutting deposit rates into negative territory. This has helped the stockpile of negative-yielding bonds to balloon worldwide to $3.6 trillion – or 16% of global government bond markets.

So how have negative deposit rates contributed? Central banks in the euro area, Denmark and Switzerland all now charge money to hold bank deposits, which has ripple effects throughout the market.

J.P. Morgan calculates there is currently €220 billion of bank reserves subject to negative interest rates, which looks set to grow exponentially because of the ECB’s forthcoming colossal bond-buying program. Plowing the money into negative-yielding government bonds can appeal to banks when the alternative is to pay even more to store cash on deposit.

Why does this matter? Because “[it] changes fundamentally” the equation for buying bonds, according to Iain Lindsay, fixed income portfolio manager at Goldman Sachs Asset Management, which handles over $1 trillion in assets. The notion that yields are floored at 0% has been “broken once and for all”, he said. Previously, investors assumed bond prices couldn’t go above a level equivalent to a 0% yield (prices rise as yields fall). […Read More at the Wall Street Journal]


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"

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.



Fiduciary Retirement Review


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!


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.)




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]]> https://annuityguys.org/are-annuity-guarantees-on-their-way-down/feed/ 0 100% Money Back Annuity **Guarantees! https://annuityguys.org/money-back-guarantees-annuity/ https://annuityguys.org/money-back-guarantees-annuity/#respond Fri, 05 Oct 2012 19:52:28 +0000 http://annuityguys.org/?p=5044 Most big ticket purchase come with a warranty or a **guarantee – including annuities. Did you know that all annuities come with a money back satisfaction **guarantee? Eric and Dick examine one of the most unknown or misunderstood aspects of annuities available today’s market. [embedit snippet=”video-specialist-button”]   **Guarantees, including optional benefits, are backed by the claims-paying […]

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]]> Most big ticket purchase come with a warranty or a **guarantee – including annuities. Did you know that all annuities come with a money back satisfaction **guarantee?

Eric and Dick examine one of the most unknown or misunderstood aspects of annuities available today’s market.

[embedit snippet=”video-specialist-button”]

 

**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.

Definition of ‘Free Look Period’

A period where a new annuity owner is able to terminate their annuity contract without penalties or surrender charges. A free look period often lasts for 10 or more days (depending on state law and the insurer’s terms), allowing the contract holder to decide whether or not to keep it; if he or she is not satisfied, the contract purchaser can receive a full refund effectvely releasing them from the annuity contract to re-consider or choose other alternatives.

Investopedia explains ‘Free Look Period’
During the free look period, the purchaser can continue to ask the insurer questions regarding the contract in order to better understand the policy. If refunded, the amount given back may equate to the value of the account at cancellation or to the amount of purchase payments, depending on the state.

Annuity Guys® Video Transcript:

Dick: Eric, you know most people don’t realize they actually have a 100% money-back satisfaction **guarantee on an annuity.

Eric: That sounds awfully tempting. Now you have to explain does this last forever for as long as I own the annuity? Oh okay, so the 100% money-back…

Dick: No, there’s a catch. You have a window of opportunity.

Eric: Could this be the free look period?

Dick: This is the free look.

Eric: Okay, so now when you say free look, now we have to explain free look.

Dick: Well, the states each state has decided that this is too big of a decision to not have a time to look at your contract, your annuity contract. A time period where you can look at your annuity contract, you can reassess your decision, and have that time period they call that free look.

Eric: Okay, so I’ve decided I want to purchase an annuity. My friendly agent shows up at my door. Mr. Van Dyke here is your policy. Congratulations, you own an annuity. So is that when the clock starts ticking?

Dick: That is when the clock starts ticking, and folks what you’ll typically have is a delivery receipt that’s signed, and when that delivery receipt is signed from that point forward, you have this period of time that’s **guaranteed by every state. That time period will vary. Each state has its own limitations on that.

Eric: Minimums, the minimums are…

Dick: Ten days are the minimum.

Eric: I don’t think I’ve seen one less ten days.

Dick: Not less than 10, but some up to 30. I don’t believe they go beyond 30. Now a lot of states will have a say 10 day, but yet the company will give 30 days.

Eric: Right, so sometimes the company’s **guarantee is better than what the state minimum is, so that provision that allows us to review the policy at our discretion, we’ve taken ownership of it; it’s in our hands, we can then truly go through it; without any penalty or ramification other than I get my money back.

Dick: Correct, and the importance of this Eric, we’ve found in our own practice so many times people have hesitation from different viewpoints. Sometimes it’s a hesitation just to get started, because their afraid once they get started and they start moving down a road, they like something, they start to question if they should move forward.

But what we’ve really been able to help our clients with is understanding that they actually do have this 100% money-back **guarantee, so that they can actually move forward with confidence. That even at the point where they’ve made their decision, the money has transferred, the company has it, they now have their contract, we can still make changes.

Eric: Right, you can still undo.

Dick: It can be completely undone, right.

Eric: It’s the major undo button, and that’s what I think works to the consumer’s advantage.

Dick: Yes, it does.

Eric: So it’s an understanding that even once you’ve made the decision, you’ve got the policy in front of you, and that’s I think the key thing. You’ve actually got what the insurance company is going to present you with. All the details, the documentation those things should be explained within the documentation.

Dick: True.

Eric: So as the agent goes over it with you, if for some reason there’s something you don’t like, you have that opportunity to still get out of that initial decision. Some people have buyer’s remorse, and we always talk about it. This is your return. Typically, you only get to do it once, so you should feel comfortable about all those decisions.

Dick: A good understanding about what you’re doing and know that your comfort level is pretty strong.

Eric: Right, and so if you’ve gone in. You’ve got the policy. You’ve asked the questions and for some reason you don’t feel good about the answers or whatever, you’ve got a period of time to either one, do some additional research, make some additional calls or to back out.

Dick: Eric, I do have to say that there are what, I guess I would call bad advisers or bad agents that don’t like this provision, because basically they’re closers. They want to go in and close an annuity and sell an annuity, and they’re not so concerned about what the clients getting. They’re more concerned about their own benefit.

But a good adviser, a credible, serious financial planner or retirement planner will actually take their time and they actually like the free look provision, because they want the client to be very comfortable, with whatever it is they are deciding.

Eric: For people like us that take pride in our practice, in what we do, we want to make sure you fully understand everything you have. Everything has pros and cons.

Dick: Right, there are tradeoffs in everything.

Eric: It’s all part of the understanding process. We’re not saying you can eliminate the cons by using a 100% money-back **guarantee in the free look provision. It’s just understanding what you own and that you’re comfortable, with all of the aspects of what you’ve purchased.

Dick: Right and when we even look at our own practice, we go back over the last seven years or so, how many free looks have we had? One; and that was just changing life circumstances that caused this person to have to rethink what they had decided, but it really can really help relieve some of the stress, from the client being able to make that decision, and at the same time make a good decision.

Eric: Yes.

Dick: So is there really, when we really think about it, is this really a 100% money-back **guarantee?

Eric: It is, because you can undo. Now the big caveat there is the time frame. You have to do it within that provision. Knowing you have at least 10 days I think for every state, but understanding that’s that your time frame. You’ve got it. Look at it. That’s your time. Once those days are gone, so is that provision.

Dick: And there’s nothing wrong, folks with asking your adviser right up front, how long would I have to look at this, before I would actually have to pretty much, stay with my decision. And that doesn’t mean you are going to free look it. It just means that you really want to know what your rights are.

Eric: Right, you want to understand everything that’s there. I think we’ve covered it.

Dick: Yes, we have. Thank you for joining us today.

Eric: Have a great day.

 

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