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 Valentine’s Day

An Annuity for Valentine’s Day?

February 13, 2016 By Annuity Guys®

There are plenty of jokes about giving a gift that keeps on giving; but seriously, an annuity is a gift that can keep on giving income for the rest of your valentine’s life!

What says I love you more than the security and simplicity of safe lifetime income**? Every time your spouse goes to the bank, writes a check or takes out their debit card, they will think of you. Alright, it might not be quite the romantic Hallmark moment that makes for the perfect Valentine’s Day gift, but nothing says I love you more than a lifetime of…[continue reading below video]

Video: The Annuity Guys, Dick and Eric, discuss the perfect gift for Valentine’s Day.

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]…financial caring and security.

As Annuity Guys, we receive numerous phone calls from caring husbands trying to figure out if an annuity would be a good allocation in their portfolios for their wife’s benefit. Many of these gentlemen have been the investment managers for their families – and most of the time they tell us their spouse has little desire to take on the role of the family investment manager. So, they are looking for ways to help their spouse solve her retirement income concerns prior to her facing life without her valentine. Hence, for many couples, the simplicity of annuities creating an income stream that their widowed spouse cannot outlive and that doesn’t have to be managed on a routinely basis is the perfect answer – even if it is not just for valentine’s day!

If you feel an annuity is too practical of a gift, add a box of chocolates or a bouquet of flowers to spice it up. Just remember that long after the chocolates have been eaten and the flowers have wilted, the annuity will be the gift that keeps on giving.

Here is some Valentine’s Day fun reading.

Less Love Expected When It Comes To Spending This Valentine’s Day, Yet Easier Gift Ideas. Here’s Why.

by Nicole Leinbach-Reyhle at Forbes.com

While more couples are planning to celebrate Valentine’s Day this year, the average American plans to spend $212 versus last year’s nearly $300, according to research by American Express. Still, with 81% of Americans likely to participate in what some refer to as a “Hallmark holiday,” according to the survey, Valentine’s Day delivers big business for retailers large and small. American Express found that among the top ways consumers are planning to “invest” in a significant other include:

  • Surprising with unexpected gifts (42%)
  • Regular date nights (39%)
  • Romantic getaways (26%)
  • Unplugging from technology (23%)

Keeping this in mind, while couples are still investing in each other, many believe what they are truly investing in is the hype of Valentine’s Day. This perception is becoming increasingly popular, withAmerican Express’s study also revealing that 35% of couples view Valentine’s Day “as more of a fun tradition rather than a monumental, or major occasion (vs. 33% in 2015), and only 28% of couples feel that it’s an important time to celebrate relationships – down 30% from last year (vs. 40% in 2015).” […Read More at Forbes]
 

Five Retirement & Annuity Calculators

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


 
[embedit snippet=”faq-short-version”]
 

Filed Under: Annuity Commentary, Annuity Guys Blog, Annuity Guys Video, Annuity Income, Annuity Safety, Estate Planning, Longevity Annuity, Longevity Risk Tagged With: annuities, Annuity, Gift Annuities, Joint Annuity, Lifetime Income, Spousal Annuity, Valentine's Day, Valentine's Gifts

 

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.

 

  • Never Place an IRA in an Annuity? Wrong!

    Never Place an IRA in an Annuity? Wrong!

    One question that seems to come up on a regular basis is “should I use my IRA/401k dollars to purchase …Read More »
  • Can Annuities Help Retirees Transition from Saving to Spending?

    Can Annuities Help Retirees Transition from Saving to Spending?

    Mom used to talk about knowing the difference between “a want” and “a need” when I was younger. As my …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 »

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 the Best Answer to High Retirement Costs?

    Are Annuities the Best Answer to High Retirement Costs?

    The closer you are to retiring, the easier it is predicting how much income you will need in retirement to be comfortable and enjoy the …Read More »
  • 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 »
  • 28 Risks Retirees Face – Part 2

    28 Risks Retirees Face – Part 2

    What are the risks everyone will face in retirement? We recently received a list of retirement risks prepared by the …Read More »
  • Can Annuities Enhance Stock Market Investing?

    Can Annuities Enhance Stock Market Investing?

    The stock market is well known for its roller coaster effect of up and down account values. For many retirees, this can mean more than …Read More »
  • Enjoy Annuity Income While Maintaining Your Principal!

    Enjoy Annuity Income While Maintaining Your Principal!

    You can’t have your cake and eat it too… or can you?When it comes to choosing annuities, most folks want steady growth and …Read More »
  • Five Top Annuity Safety Risks to Avoid

    Five Top Annuity Safety Risks to Avoid

    Annuities are safe, secure, and without risk…. hmm, well not exactly. As Annuity Guys® we expound quite a bit on the safety …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 »
  • 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 »

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.


  • 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 »
  • Can MarketFree® Annuities Balance Your Portfolio?

    Can MarketFree® Annuities Balance Your Portfolio?

    It has been more than four years since the pandemic started and the stock market has reached some new historic …Read More »
  • High Annuity Fees & High Annuity Commissions – Hear the Inside Truth

    High Annuity Fees & High Annuity Commissions – Hear the Inside Truth

    We’ll just give it to you straight – some annuities pay high commissions and some of them have high annuity …Read More »
  • How Do MarketFree™ Annuities Work?

    As you consider your overall strategy for retirement planning, one financial product to consider is a MarketFree® annuity. There are many …Read More »
  • Choosing Annuity Specialists, Local or National? Which are Best?

    Choosing Annuity Specialists, Local or National? Which are Best?

    There has been a huge shift of folks leaving local brokers and advisors to find better investment options online with …Read More »
  • Will a Collapsed Dollar Harm Annuities?

    Will a Collapsed Dollar Harm Annuities?

    Jack in CA asks; If the dollar goes into a nose-dive,  how safe will it be to own an immediate, fixed or …Read More »
  • Enjoy Annuity Income While Maintaining Your Principal!

    Enjoy Annuity Income While Maintaining Your Principal!

    You can’t have your cake and eat it too… or can you?When it comes to choosing annuities, most folks want steady growth and …Read More »
  • Can Annuities Enhance Stock Market Investing?

    Can Annuities Enhance Stock Market Investing?

    The stock market is well known for its roller coaster effect of up and down account values. For many retirees, this can mean more than …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.


  • 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 »
  • 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 »
  • Stop Annuity Procrastination: New Years Resolution!

    Stop Annuity Procrastination: New Years Resolution!

    Procrastination – or the act of replacing high-priority actions with tasks of lower priority.We always hear of people who spend more …Read More »
  • Are Hybrid Annuity Income Riders Stacked in Your Favor?

    Are Hybrid Annuity Income Riders Stacked in Your Favor?

    We must own up to our play on words this week. One of the more recent popular income riders strategies …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 »
  • Annuities – Liquid or Not?

    Annuities – Liquid or Not?

    As advisors who specialize in retirement planning one of the first questions we discuss with clients surrounds the subject of  liquidity. …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 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 »
  • 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 »
  • Social Security and Income Planning

    Social Security and Income Planning

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

 

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.