Independent & Objective Reviews on Annuity Investments

Annuity Salespeople Telling the Whole Truth? Find out here with in-depth annuity reviews that reveal the facts on what you can really expect from your annuity.

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What Is A Guaranteed Living Withdrawal Benefit And Why Would You Want One?

Variable annuities are often sold with guaranteed living withdrawal benefits, sometimes known as the GLWB or other similar acronyms. In a nutshell, these benefits give you a way to stay invested in the stock market with some income guarantees in place. These benefits became popular after the market crash of 2008 when people were looking for a way to protect their retirement savings from market loss.

In theory, these benefits may sound good, but they can be very costly, and in many cases, it’s the insurance company who might be coming out ahead. Here is what you need to know about the methods used to calculate these benefits so that you can decide for yourself: checkmate, stalemate, or just a losing proposition?

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Independent Review of the Midland National MNL IndexBuilder 10 Fixed Index Annuity

What We Will Cover in this Annuity Review

In this annuity review, we will be covering the following details regarding the Midland National MNL IndexBuilder 10 Fixed Index Annuity:

  • Product typeIndependent Review of the Midland National MNL Guarantee Ultimate 5-Year Annuity (MYGA)
  • Fees
  • Current rates
  • Realistic long-term return expectations
  • How this annuity is best used
  • How it is most poorly used

Annuities can be complex. That’s where having an Annuity Investigator who loves math comes in.
We make the complex, simple.

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3 Reasons Why An Income Rider Might Be A Bad Idea

Growing up we’re often taught to eat everything on our plate. There are ways to get around this if you happen to have a dog, but if you don’t, then you might have to get a little creative.

Income riders are sold with annuities as an add-on feature like anchovies on your pizza or extra sauce on the side. In some cases, income riders are misrepresented by annuity salespeople so investors end up with a feature they don’t even want or need; in other cases, they can solve the income problem by giving you more flexibility and guarantees. If you’re wondering whether or not an income rider might be right for you, here are four reasons why you might want to say “no thank you” and take a pass.

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Independent Review of the American General Life Insurance Company Power 10 Protector Index Annuity

What’s Covered In This Review

In this annuity review, we will be going over the details regarding the American General Life Insurance Company’s Power 10 Protector fixed indexed annuity, such as:

  • Product type
  • Fees
  • Current rates
  • Realistic long-term return expectations
  • How it is used
  • How it is most poorly used

Annuities can be complex. That’s where having an Annuity Investigator who loves math comes in.
We make the complex, simple.

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How To Avoid Paying The Surrender Fees On An Annuity

Every relationship has that first big step, the moment when you know you’re ready to commit. Getting into an annuity is also a big step when it comes to your retirement funds. Annuities are typically long-term commitments with expensive surrender fees and complicated feature options, but they can also be key to securing a retirement income.

Before you say, “I do,” to buying an annuity, make sure you know what you need to do in order to protect yourself and the money you need to rely on during your golden years.

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