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 / Archives for Income Streams

The New – Immediate Hybrid Annuity™

December 7, 2013 By Annuity Guys®

What could be better than a Hybrid Annuity? How about a New – Immediate Hybrid Annuity™!

For a typical retiree with about $250,000 the income differences were just under $2,000 per year; and while $2,000 may not set the world on fire – just take that times 30 years in retirement.

Are you willing to gift $60,000 to an insurance company? Learn how to make the insurers pay you more of their money and get less of yours!

Watch as Dick and Eric discuss this New – Immediate Hybrid Annuity™ and why most advisors are trying to ignore it!

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

 

**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.

What makes an Immediate Hybrid Annuity™ better? How about larger income streams and no fees while providing access to your principal. That’s right. You don’t have to give up access to the principal unlike the immediate annuities of old where you gave up all your principal, never to be seen again. These new Immediate Hybrid Annuities™ still allow access to your principal, if needed. Are they as flexible as most of today’s hybrid annuities? No! However, for many retirees who are looking to start income in the next 12 months or defer for less than five years, this Immediate Hybrid Option can offer a significantly higher payout percentage – for **life.

[embedit snippet=”hybrid-annuity-live-demo-invite”]

More information on some of the changes to Immediate Annuities from OnWallStreet.

Insurers Add Appeal to Income Annuities

by: Donald Jay Korn – May 14, 2013

Immediate annuities, also known as income annuities and payout annuities, can replace disappearing corporate pensions, but sales have been tepid.

LIMRA, a research, consulting and professional development organization, reported that income annuity sales reached $8.7 billion in 2012, a small percentage of total annuity sales, which reached $219.4 billion. Insurers have responded by offering features such as liquidity, death benefits, and flexible income options for income annuities.

Amid these changes, advisors who are engaged in retirement income planning are beginning to take a second look at income annuities, according to Mark Paracer, research project director at LIMRA. Paracer pointed to a 2012 LIMRA study that brought responses from more than 1,000 advisors.

“Our findings showed that more advisors are interested in products in general (32% in 2011 vs. 31% in 2009),” he said. “That was especially true for RIAs (33% in 2011 vs. 24% in 2009).” That study also indicated that solutions are often well received by clients: 63% of advisors agreed while only 7% disagreed.

“Most importantly,” Paracer said, “the attitudes of advisors are shifting to more recognition of the benefits of solutions versus the benefits of non- solutions: 56% in 2011 vs. 40% in 2009. There is also a shift in advisor attitudes toward the idea that a solution should be used to cover non-discretionary expenses in retirement: 48% in 2011 vs. 38% in 2009.”

Paracer noted that including an income annuity — either deferred or immediate — can help retirees ensure that at least their essential expenses in retirement are covered, thus allowing advisors to invest the remaining portion of their portfolio with a goal of higher returns.

According to Lowell Aronoff, CEO at CANNEX Financial Exchanges Ltd., which compiles data on financial products, there is a disconnect between the need for income annuities and the amount of sales. “Retirement income research universally suggests that income annuities should be a core product for nearly all retirees,” he stated, “yet sales of these products are still fairly modest.”

One objection to income annuities has been the “hit by a truck” fear. A consumer might buy an annuity that would pay a lifetime income and die soon afterwards, thereby relinquishing capital for little return. A recent joint study by CANNEX and LIMRA found that annuity issuers now address this concern. [Read More from OnWallStreet…]

Video Transcription:

Dick: Hello, I’m Dick.

Eric: And I’m Eric. And we’re the annuity guys.

Dick. Yes! And Eric, there’s a new kid on the block.

Eric: A new innovation to the industry.

Dick: The most exciting thing that’s come along in the several years actually.

Eric: It’s funny how you make some old things new again. And people think annuities are boring.

Dick: Well, it is boring Eric.

Eric: This is exciting for us… we’re getting a lot of fun with this.

Dick: And for years, the variable annuity# was called a hybrid annuity. Then along comes the fixed index annuity; and what we saw really change that was those new income rider as they came out on them.

Eric: Opportunities for growth and income and **guarantees…

Dick: And hence, the hybrid annuity is born. And now we have the immediate hybrid annuity which has earned a little bit better from their cousin…

Eric: It’s taking some of the hybrid and fixed pieces, and some of the variable pieces and slide it on the immediate annuity which is like… “why the heck would you want to do that?”

Dick: Well, and that brings up another point agents are talking about this too much.

Eric: Don’t tell anybody. And there’s a reason why…

Dick: There’s a reason why. Well, the truth on these immediate hybrid annuity folks, there really more than likely to catch on in a big way because there’s so many good features to them that we want to explain and help you understand, but they’re also the very low commission. They don’t pay the agents very high commission.

Eric: That’s probably a lot of people really didn’t talk about even a standard immediate annuity before; and now all of a sudden we’re certainly get a little bit more innovation and I think people are going to have to start talking about it because the features are there and we’ll see what we can get – higher payouts perhaps…

Dick: A greatly increased income…

Eric: Increased income. Fees… oh -oh.. No fees…

Dick: That’s a big negative. Now that was one of the things on the variable annuity# that really became, I don’t want to say the death of the variable annuity#, but a lot of folks moved away from the variable annuity# because of the high fees; and they still do. The hybrid annuity which we’ve explained many times is the fixed indexed annuity chassis typically, the standard hybrid annuity, and it lowered the fees a lot but it still has fees Eric.

Eric: Some of them do but not all of them. The most commonly you’re looking at 1/2 and 1 percent on an income rider which is what **guarantees your income for life on that kind of fixed indexed or hybrid chassis.

Dick: So now we’ve move over to the immediate hybrid annuity and we’re talking about zero fees.

Eric: Ohh my…

Dick: No fees folks, no annual fees.

Eric: No fees, higher payouts..

Dick: For lifetime income and it last ’till your retirement and the most innovative aspect to this which is what really takes it into this hybrid annuity realm is access to your principal.

Eric: Right. Access to your liquidity… it gives you some liquidity options that didn’t used to be there. Now, we’re not going to pretend that you’re going to go out there withdraw everything without penalties or such but it does give you access to emergency cash and we’re seeing more and more carriers try to offer this.

Dick: And many folks would have opted for an immediate annuity if they had some all those options in the past; they just weren’t available. One of the things, Eric, that I want to talk about and we kinda get this… You and I were never really against the insurance company; we’re always for the client. So, if there’s a way that the client can actually win and I mean let’s face it, most clients feel that the deck is stacked against them when dealing with an insurance company. So if there’s a way to win what you really want to do is get your money out of the insurance company early, faster,… the sooner you can get your money out and have them paying you their money the better off you are.

Eric: And if you haven’t figured out what an annuity is really, it’s a return of your money to you…

Dick: Plus a small return…

Eric: Plus a **guarantee that you’ll get that return as long as you’re alive.

Dick: Yes.

Eric: Those are the key aspects of an annuity and so lifetime income… well, you want to get your portion that you paid in

back quickly and then you’re starting to work on their money.

Dick: What’s so exciting about this Eric is that we’ve been able to run the numbers and we’ve seen now the breaking point where it really works for folks, and those payouts where they can have a considerably larger amount of money at certain ages and even in that early stages make a lot more income

Eric: Well, looking at a typical portfolio size we see and 401K for a 65-year-old male, single… that difference between a popular hybrid payout paying about five and a half percent and then these immediate hybrid annuities are now also paying about almost 6.7 percent; so you’re talking about…

Dick: Compared to five-and-a-half percent…

Eric: Right. So for somewhat two hundred fifty thousand and looking as their foundational income, talk about two thousand dollars a month difference.

Dick: That equates out to somewhere between forty and fifty thousand dollars over twenty years which is a typical retirement. I mean some of which are much longer than that but a typical retirement pushes twenty years nowadays…

Eric: And I’m sorry, i said per month, it should have been year.

Dick: Right, I took it as annual… right. right…

Eric: So, The lifetime number is just the amount of money you would leave on the table is just astronomical.

Dick: It’s just large, yes!

Eric: As we’re looking at it. We’re always excited to talk to people about it…

Dick: Well, we get excited because they get excited. It’s like everyone’s kinda look at the standard fixed indexed hybrid annuity and they’ve compare them one against the other, and finally there something out that kinda breaks the mold and answers a lot of questions that folks are looking for.

Eric: Exactly, especially for those folks that are retiring, they’re getting buyout options. We’re hearing all these people and they’re gonna retire and they’re going to start needing money now and that’s where this works extremely well. It’s exciting.. I am excited!

Dick: So, we’re talking… it works better for those folks that need money in what time period? Obviously there’s a next 30 days but then how much further out might might this strategy work?

Eric: Well, with this specific strategy really because you’re using an immediate income chassis, your looking at income the next 12 months.

Dick: Yes.

Eric: But obviously then we start looking at when does a hybrid best-perform, usually on that stage you’re looking at having to deffer for at least five years.

Dick: Rights. So if you’re wanting to be able to balance this and say well “if my income, I need in about three years” maybe you should hold off a little bit or use a different type of an annuity to get you to that level where you’re ready to turn the income on and then use this type of an immediate hybrid annuity.

Eric: Right and that’s where we say run the numbers, look at the options. It might be worth taking a two percent **guarantee for a couple years knowing you’re going to get a better payment in two years with an immediate hybrid than you would with a standard hybrid annuity.

Dick: Eric, let’s put together some of those numbers for folks and do a webinar on that that they can watch and maybe even have a button on the website where they can just go and look at those numbers and do some real comparisons, and then they can get back with us if they have questions.

Eric: We’re always welcome to help share those numbers for people on an individual level that are looking at what those options would be as well.

Dick: Okay folks, thank you very much. Eric: Have a great day.

Filed Under: Annuity Commentary, Annuity Guys Blog, Annuity Guys Video, Annuity Income, Hybrid Annuities, Immediate Annuity, Retirement Tagged With: annuities, Hybrid Annuity, Immediate Annuity, Immediate Hybrid Annuity, Income Annuities, Income Streams, Payout Annuity

Why You Should Ladder Annuities…

June 22, 2012 By Annuity Guys®

When your financial advisor starts to talk to you about laddering, realize that they are talking to you about using financial products with varying maturities and that they are most likely not thinking about a trip to the hardware store.

In today’s low interest rate environment laddering annuities allows clients to potentially capitalize on increasing rates without forgoing returns that can only be obtained by committing to a longer maturity period. Laddering provides an opportunity for conversion of shorter maturity annuities to better options if they are available earlier – then the maturities continue to provide that option on a regular ongoing basis.

Perhaps the best option to ladder annuities is by staggering deferred hybrid annuities for future income. By laddering hybrid annuities you can create a income stream that will combat inflation and provide for added flexibility with future income.  It can also be an excellent strategy for financial security should you live a longer then expected life.

Eric and Dick break down some of the pros and cons for laddering annuities.

[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.

See how Scott Bulmer and  Kevin Hedstrom address this same topic in a recent issue of Life Health Pro.

Customize Annuity Options With Laddering

As an agent who has worked with hundreds of clients to help them build and protect their retirement nest eggs, I am now faced with helping my clients make the dramatic shift from the wealth management phase (gathering and growing assets) to the income management phase (preserving and distributing assets). With 78 million baby boomers racing toward—or already in—retirement, the need for retirement income protection has never been greater.

It’s been well documented that since Jan 1, 2011, about 10,000 baby boomers have and will continue to turn 65 each day. This demographic phenomenon forces our industry to be the catalyst in moving clients’ mindset from accumulation to income distribution strategies. Our retiree clients now need to draw down their assets to generate a reliable, secure income stream that will allow them to maintain the lifestyle they so desire during their retirement years.

With the latest gyrations in the stock market, historically low interest rates and the economic turmoil here and abroad still fresh in their minds; clients are looking for less risky solutions to creating a secure retirement income combined with growth potential. Those clients nearing or in retirement can’t afford to weather another pullback in the market as was experienced several years ago. They just don’t have the time horizon or risk tolerance to recover unless they want to continue working throughout their retirement. In addition to market shifts, we are dealing with traditional safe money alternatives, such as CDs, money market funds and saving accounts, that may be out of favor due to these low rates.

Fixed indexed annuities as a solution

All of these forces—demographic and economic—pose an interesting challenge to agents. The major risks facing senior clients today are:

  • Market risk—The ongoing volatility in the stock market
  • Inflation risk—The erosion of one’s purchasing power
  • Longevity risk—The increase in life expectancy

The average individual’s lifespan has increased markedly over the last 50 years, and people now have to worry about running out of money before they run out of time.

A product solution to mitigate these risks that I’ve incorporated in my practice is the fixed indexed annuity. Since their introduction in 1995, indexed annuities have given people the opportunity to participate in the upside of being linked to an index, such as the S&P 500, without having to worry about losing money. Clients are very receptive to the dual nature of this product, which, at its core, is an insurance contract. They get the opportunity to partake in the upside potential of the stock market, with the **guarantee they won’t lose money. In addition, over the years, these products have performed as they were designed to. [Read More…]

Annuity Guys® Video Transcript:

Dick: One of the things that Eric and I find ourselves involved in a lot of times with annuities is laddering those annuities.

Eric: Right. It’s a technique or a strategy that we employ that uses multiple annuities with basically different maturity dates. So you would start with perhaps a three-year or a five-year or a ten-year, different layers.

Dick: I think a lot of folks, Eric, are familiar with CDs. You’re familiar with CD laddering. You may not have called it laddering, but staging your CDs over a period of time.

Eric: Staging or staggering.

Dick: It works very well for annuities for different reasons.

Eric: Right. Well, what are some of those reasons? Safety because you could use three different companies.

Dick: Diversification helps with that safety.

Eric: Right. Then you’ve also got return.

Dick: If you’re wanting to grow your money. We’re in a very low interest rate environment. So what do we think is going to happen maybe over the next three to six to eight years?

Eric: We expect interest rates to rise because they’re at all-time lows. They’re almost at zero in the case of the Fed rate.

Dick: Sure.

Eric: So we expect to see growth. But what do you do now? In order to get the biggest return right now, you have to commit to seven, eight, nine, or ten years.

Dick: It’s a pretty long period of time. Right.

Eric: Is it a smart decision to say, “I want to put all my money in a ten year product right now,” knowing that rates are likely to go up in say three or four years?

Dick: It probably isn’t if you’re looking for growth.

Eric: Right. But are you willing to sacrifice three years of growth just waiting?

Dick: Well, the alternative to that though, Eric, is if we don’t do anything, we get no return at all.

Eric: Well, actually we lose money.

Dick: We lose money because of inflation.

Eric: Inflation.

Dick: Exactly.

Eric: Yeah, exactly. By looking at, in the case of return, staggering those things. Monies are coming due at various intervals. It gives you that.  The one thing I like to use annuities for in laddering is the income riders and the income **guarantees.

Dick: Right, which is a completely different way of looking at annuities and using them, but it’s been very effective for our clients.

Eric: The strength of an annuity right now, especially the hybrid annuities, is the **guarantees for income and deferral. You still have the five, six, or seven percent out there that you can get in a deferred for income. If you use a stage one annuity, perhaps turn income on right away knowing that you’ve got this **guarantee in deferral, your stage two or the second rung of the ladder you can turn on.

Dick: This helps us to offset inflation, because we know that, initially, we can start off with an income that would be adequate for that time period, but that we’re going to need to supplement that income five years, eight years, or ten years down the line. The next annuity kicks in at that stage, which is laddered.

Eric: Exactly. The it’s even nice to have an optional rung that may sit out there that you may never even anticipate turning it on. But if you have longevity that you don’t either anticipate or something happens, you’ve got that third one out there that’s in deferral getting those **guarantees. So it becomes that additional rung.

Dick: Right. It can pass on to the heirs, or you can turn it on if you need it. One of the things that we really don’t know right now is what is going to happen to certain pensions, what cutbacks or things might happen with Social Security. So it’s nice to have that contingency, that annuity out there that’s going long term.

Eric: Right, and it’s nice to have one that’s especially geared for growth. You know that it’s going to be at this level here, this level here, and this level here. The **guarantees, having those **guarantees out there.

Dick: When would it maybe not make sense to ladder?

Eric: Not use a ladder? Well, obviously if you have limited assets. There are just times when there are minimum deposit requirements, and if you have limited assets, you may only have an option of one annuity. That’s one.

Dick: Sure. When we say “limited assets,” maybe $100,000 or $200,000, somewhere in that neighborhood? I guess it depends on the income that you need. It depends on the growth that you need.

Eric: Right, it depends on all that.

Dick: I do know that the more money that you have, folks, especially when you start getting up there in the $400,000 to a million or a million plus, it makes a lot of sense to ladder and diversify as compared to maybe below $400,000. There can be some good reasons to still ladder and still diversify, but you have to look at it a little closer.

Eric: Right. One of the things we run into a lot is much of the time you’ll see one specific annuity that performs best for somebody’s situation, and there’s just not another comparable piece that does the same thing.

Dick: So the tradeoff is to get the diversification, the safety, and the laddering that maybe you’re looking for, you have to take considerably less in benefits.

Eric: It’s simply deciding to take a pay cut. If you value the other things you get in the willingness to take a pay cut, that’s what that balance is.

Dick: Then there are, again, some annuities out there, on the growth stage where it’s not just income or the pay cut, where they give a really nice death benefit. On top of that death benefit, they will give a nice return, so that you would maybe have the potential to see somewhere between a 6% to a 10% return from a very safe position with your assets. It may be a situation where a person would say, “Hey, because I want this to go onto my heirs, I don’t really need to ladder it,” depending on the amount of money.

Eric: It’s the **guarantees. You are getting a contractual **guarantee in this case from an annuity that is superior to something else that’s offered by anybody.  It’s if you’re willing to take less and go here and split them, that’s an option. If you know your best circumstances lays right here, sometimes you’ll decide not to ladder.

Dick: I would say, just for folks as we kind of wind things up here, that in most cases the laddering is a good thing, works, and should be looked at. Occasionally, though, it’s not. I mean occasionally you’re going to want to go with one company that gives you the greatest benefit, and it isn’t going to make as much sense to ladder.

Eric: The best way to say this is, “You know what? Sit down with someone who can run the numbers for you, talk to them about what the pros and the cons are, and then ultimately you get to make the decision.” Now, I think it should always be one of the things that’s part of the consideration and part of the discussion. For most advisors, that’s exactly how they’ll present it: Here’s option one, here’s option one and two, and here’s how that works out.

Dick: Right. What are you comfortable with?

Eric: Exactly. Where is your comfort level? You’re in control.

Dick: Right. Pick what’s best for you.

Eric: Exactly. Thanks for checking us out.

Dick: Thank you.

 

Filed Under: Annuity Commentary, Annuity Guys Video, Annuity Income, Hybrid Annuities Tagged With: annuities, Annuity Options, Equity-indexed Annuity, Fixed Indexed Annuities, Future Income, Hybrid Annuity, Income Streams, Index Annuities, Indexed Annuity, Laddering, Life Annuity, Retirement Income

 

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
  • This field is for validation purposes and should be left unchanged.

 

  • Study Finds Near Retirees Get Crushed! Can Annuities Help?

    Study Finds Near Retirees Get Crushed! Can Annuities Help?

    A recent headline from the Yahoo Daily Ticker caught our attention – American Incomes Are Falling And Near-Retirees Are Getting …Read More »
  • What are Hybrid Annuities?

    What are Hybrid Annuities?

    Hybrid annuities, also referred to as hybrid income annuities, are essentially a type of annuity contract that allows the account …Read More »
  • Should You Buy Annuities in our Trump Influenced Bull Market?

    Should You Buy Annuities in our Trump Influenced Bull Market?

    What would Trump do? Do you think he might be the type to buy low & sell high? This sounds …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"


  • Is Social Security an Annuity?

    Is Social Security an Annuity?

    It is important to understand the way that Social Security was designed to function. By commercial standards, this is the …Read More »
  • Can Hybrid Annuities Beat Market Returns?

    Can Hybrid Annuities Beat Market Returns?

    Do you remember the story of the tortoise and the hare? Hybrid annuities might be compared to the tortoise in …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 »
  • Annuities: What Percentage Should Be in Your Retirement Portfolio?

    Annuities: What Percentage Should Be in Your Retirement Portfolio?

    The answer is… 50 percent (NOT!!!) — want to know why many insurance sales agents might say that?It’s nice when …Read More »
  • Five Common Annuity Regrets to Avoid

    Five Common Annuity Regrets to Avoid

    Most of us have a few regrets in life… but seriously – annuity regrets???Perhaps we have gone too far as …Read More »
  • 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 »
  • 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 »
  • 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 »

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
  • This field is for validation purposes and should be left unchanged.


  • 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 »
  • Do I need an annuity with or without a pension?

    Do I need an annuity with or without a pension?

    If you are asking this question rest assured you are in good company. Today’s retirement landscape is the result of …Read More »
  • How are Annuities Affected by the New 2015 Rollover Rules?

    How are Annuities Affected by the New 2015 Rollover Rules?

    The Internal Revenue Service is changing the IRA rollover rules this year – if you don’t know about this change …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 »
  • 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 »
  • Are Annuity Fees, Surrender Costs, & Commissions too High?

    Are Annuity Fees, Surrender Costs, & Commissions too High?

    I would wager that everyone has used the phrase “You get what you pay for” in describing a less than desirable …Read More »
  • Exposing Why Some Advisors Love or Hate Annuities

    Exposing Why Some Advisors Love or Hate Annuities

    “Why can’t we all just get along?” It seems that the spirit of divisive partisan politics has invaded the investment …Read More »
  • Should I Plan to Live to 100?

    Should I Plan to Live to 100?

    In “The law of Averages: Why We Underestimate Risk in the Face of Uncertainty,” Stanford management-science professor Sam Savage illustrates …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
  • This field is for validation purposes and should be left unchanged.


  • 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 »
  • Sell in May and Go Away or Buy Annuities?

    Sell in May and Go Away or Buy Annuities?

    Life is full of profound statements and sayings that stick in our minds. For investors and brokers, the saying “sell …Read More »
  • When is Zero Good News for Hybrid Annuities?

    When is Zero Good News for Hybrid Annuities?

    Have you called someone a “good-for-nothing” and thought you were being derogatory?With hybrid annuities, being good for nothing in the bad …Read More »
  • The New – Immediate Hybrid Annuity™

    The New – Immediate Hybrid Annuity™

    What could be better than a Hybrid Annuity? How about a New – Immediate Hybrid Annuity™!For a typical retiree with …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 »
  • 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 »
  • 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 »
  • Can Hybrid Annuities Beat Market Returns?

    Can Hybrid Annuities Beat Market Returns?

    Do you remember the story of the tortoise and the hare? Hybrid annuities might be compared to the tortoise in …Read More »
  • Ten Factors Determining the Least You Need in Annuities

    Ten Factors Determining the Least You Need in Annuities

    One of the biggest challenges facing pre-retirees is knowing the amount of income they will need in retirement to live …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 »

 

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
  • This field is for validation purposes and should be left unchanged.

 
Comprehensive Site Terms and Disclosure | Privacy Policy | Copyright © 2025 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.