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 Wife

Why do Wives Prefer Annuities?

March 2, 2013 By Annuity Guys®

Before everyone starts yelling gender discrimination, we know that husbands can prefer annuities too.

However, it is not uncommon for us to have a conversation with men who let us know right from the get go, “I don’t like annuities,” but I have to do something to take care of my wife if I’m gone. As guys, we typically think of ourselves as providers and view it as our responsibility to provide for our families. This should not be construed as being a denigration of  women (although my wife would tell me I’m digging myself into a hole right now) but rather a somewhat stereotypical view of men and stereotypes can have some basis in fact.

So why would many wives like annuities? Well, it’s not actually the annuities but rather what they offer that appeals to most wives. Annuities offer a stable lifestyle by providing a stable, safe lifetime income. Annuities are as close as we can come to a “set-it and forget-it” retirement.

Watch Dick and Eric explain to husbands why their wives prefer 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.

Read the article that prompted this weeks entry.

Guess what? Your wife loves annuities

Recently, I was speaking in front of a national gathering of individual investors and traders about a topic that most of these market mavens cared nothing about … annuities.

Because this event was located in a tropical location, these future Gordon Gecko’s were accompanied by their wives, who just happened to be sitting by their loving masters of the stock universe during my presentation.

As it always happens when I speak at these events, as soon I start pointing out that annuities should be in place for lifetime income, lifestyle, and a worry free retirement that doesn’t involve the stock market, wives start elbowing their husbands as a reminder of who wins all arguments.

My 14-year-old daughter’s friend, Eloise, pointed out in a recent shuttle service I provided to their dance class, “every time my mom and dad argue about anything, it seems like my mom wins … so I think my mom has all the power.”

As my daughter immediately agreed and said that it’s the same in her house as well, I turned to Eloise and said that no truer words had been spoken, and that she is way ahead of the game with her insight.

As you know, your wife could give a hoot about finding the next great stock or guessing the future price of gold. Your wife cares about one thing and one thing only … lifestyle. Lifestyle to her is not a five-star mutual fund^. Lifestyle to your wife is knowing that she will have enough money to live comfortably if something happens to you. It’s being able to go see the kids and grand kids. Lifestyle to your wife has nothing to do with the Dow Jones or anything related to Wall Street. The only thing that she cares about (if she told you the truth, and might have already) is having enough money coming into the checking account for the rest of her life.

Here’s where the love affair with annuities comes in. When you add up your pension (if you are so fortunate), Social Security payments, and other investment income, there might be a gap in the amount of required that needs to be filled. Annuities are the only strategy that can provide a lifetime income stream that you and your wife can never outlive. When I mention that statement, that’s when your wife’s elbow hits your rib cage as a subtle reminder that this is the only type of investment she cares about. [Read more from MarketWatch on why Your wife loves annuities…]

Filed Under: Annuity Commentary, Annuity Guys Video, Annuity Income, Annuity Safety, Retirement Tagged With: annuities, Annuity, Incomes, Lifetime Income, retirement, Wife, Wife Love, Your Wife

 

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.

 

  • Lifetime Annuity Income: Annuitize or Control Your Money with Income Riders

    Lifetime Annuity Income: Annuitize or Control Your Money with Income Riders

    Do you have to annuitize an annuity to get **guaranteed lifetime income? No, not if the annuity has an income rider.If …Read More »
  • Tax Saving Income Tips

    Tax Saving Income Tips

    As we approach an almost insurmountable debt load likely increases in tax is may be inevitable, we thought it may …Read More »
  • How Do Index Annuities Pay Higher Interest?

    How Do Index Annuities Pay Higher Interest?

    Okay, what’s the catch? How is it possible that a fixed index annuity (FIA) can eliminate market risk and earn higher interest than standard fixed annuities …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"


  • OutCome Based Planning™ for Retirement

    OutCome Based Planning™ for Retirement

    We practice and recommend a “Holistic – OutCome Based Planning™ process when considering annuities.” This approach has the effect of …Read More »
  • Fixed Index Annuity Returns Reviewed

    Fixed Index Annuity Returns Reviewed

    Dick and Eric take a look at the Wharton study and what it means for anyone considering a fixed index …Read More »
  • Should You Choose a Variable Annuity?

    Should You Choose a Variable Annuity?

    Occasionally, we get requests from our site visitors and viewers to help them review a particular annuity – like that from …Read More »
  • Low Interest Rates Hurt Seniors

    Low Interest Rates Hurt Seniors

    The Federal Reserve Board has not formally relaxed its intention to keep interest rates low through the end of 2014. …Read More »
  • Understanding Immediate Annuities

    Understanding Immediate Annuities

    Today, people are living longer than ever before. While the idea of living a longer (and hopefully healthier) life is …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 »
  • Annuity Ratings, are they Believable?

    Annuity Ratings, are they Believable?

    U.S. to sue S&P over Ratings – that was this years’ February 5th headline in the Wall Street Journal. If the federal government …Read More »
  • Why are Hybrid Annuities so Popular?

    Why are Hybrid Annuities so Popular?

    What made fixed index annuities and hybrid annuities the fastest growing annuity type on the market according to a LIMRA …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.


  • Can Annuities Reduce the Cost of Retirement?

    Can Annuities Reduce the Cost of Retirement?

    Would you rather get something on sale or pay the full retail price? Silly question, right? Nobody wants to pay more …Read More »
  • Can Annuities Eliminate or Reduce Retirement Failure?

    Can Annuities Eliminate or Reduce Retirement Failure?

    The biggest challenge to a successful retirement is living too long and running out of money – regardless of how …Read More »
  • Tax Saving Income Tips

    Tax Saving Income Tips

    As we approach an almost insurmountable debt load likely increases in tax is may be inevitable, we thought it may …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 »
  • 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 »
  • How Do Index Annuities Pay Higher Interest?

    How Do Index Annuities Pay Higher Interest?

    Okay, what’s the catch? How is it possible that a fixed index annuity (FIA) can eliminate market risk and earn higher interest than standard fixed annuities …Read More »
  • 28 Risks Retirees Face – Part 1

    28 Risks Retirees Face – Part 1

    What are the risks everyone will face in retirement? We recently received a list of retirement risks prepared by the …Read More »
  • Are Set It & Forget It Retirements Practical?

    Are Set It & Forget It Retirements Practical?

    Have you ever put a pizza in the oven only to discover you forgot the timer and your meal is …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.


  • 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 »
  • Index Modified Endowment Contract vs a Fixed Index Annuity

    Index Modified Endowment Contract vs a Fixed Index Annuity

    A while back, we attended a training where one of our colleagues waxed poetically about what he called “the best financial …Read More »
  • Are Set It & Forget It Retirements Practical?

    Are Set It & Forget It Retirements Practical?

    Have you ever put a pizza in the oven only to discover you forgot the timer and your meal is …Read More »
  • What do index annuities, mutual funds and ETFs have in common?

    What do index annuities, mutual funds and ETFs have in common?

    Fixed index annuities, mutual funds^, and exchange traded funds (ETFs) could not possibly have very many things in common or …Read More »
  • What Percentage of Your Portfolio Allocation Should Be Annuities?

    What Percentage of Your Portfolio Allocation Should Be Annuities?

    Want to know just how much of your retirement nest egg you should consider for placement into annuities? The U.S. …Read More »
  • Avoiding Annuity Gimmicks, Amateurs, & Charlatans!

    Avoiding Annuity Gimmicks, Amateurs, & Charlatans!

    Everyone loves a good practical joke – until the joker happens to be the salesperson who just sold you an annuity …Read More »
  • Fed Up with Exaggerated Annuity Claims?

    Fed Up with Exaggerated Annuity Claims?

    There is a saying in the annuity world that annuities are sold, not bought! Yes, at times this may be …Read More »
  • Annuity Diversification – What Amount Per Company?

    Annuity Diversification – What Amount Per Company?

    You may have invested, scrimped, and saved most of your life for just this moment. Yes, you are ready to …Read More »
  • Are 8 Percent Annuity Returns in 2025 Too Good to be True?

    Are 8 Percent Annuity Returns in 2025 Too Good to be True?

    Annuity Salesman asks:  “How would you like an eight percent compounded return? -Guaranteed!” Misled customer replies, “Where do I sign-up?”Is …Read More »
  • 100% Money Back Annuity **Guarantees!

    100% Money Back Annuity **Guarantees!

    Most big ticket purchase come with a warranty or a **guarantee – including annuities. Did you know that all annuities …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.