This quiz takes about 30 seconds to fill out and will help you identify which type of annuity may be right for you. Annuity Gator provided the contact with Joshua, and I am glad they did. The Annuity Gator’s End Take on the American Equity Choice 10 Fixed Index Annuity Where it works best: The bottom line on the Choice 10 is that this annuity may work the best for people who are looking for the following features: Safety of principal; The opportunity for index-linked growth; Guaranteed lifetime income in retirement The Annuity Gator’s End Take on the Farm Bureau Select IV New Money 4 Multi-Year Guarantee Annuity Where this annuity works best: Just like all products, there can be some pros and cons, meaning that the item or service may work well for some, and not-so-well for others. Competitive interest rates. The Annuity Gator’s End Take on the Thrivent Financial Security Plus MYGA Annuity Where it works best: This particular annuity will typically work the best if you are looking for: A short-term interest rate guarantee (in this case, the first two years) Safety of principal;The Annuity Gator’s End Take on the Fidelity & Guaranty FG Guarantee Platinum 3 MYGA Annuity Where this annuity works best: Just like all products and services, there can be some pros and cons, meaning that the item or service may work quite well for some, and not-so-well for others. The minimum fee for this feature is . Featured. I would like to thank Annuity Gator for their honesty, professionalism, and great expertise. In the case of the Polaris Platinum III, the rate is a generous 6% guaranteed annually. Annuity Gator prides itself on allowing consumers to search for the best products, provide users with in-depth reviews on annuities products and ultimately helps. Annuity Gator has 5 stars! Check out what 358 people have written so far, and share your own experience. We’ve researched and reviewed hundreds of annuities over the years, and we continue to add new information to our annuity review database, which can be accessed at no cost anytime. Annuity Gator Annuity Gator Reviews 350 • Excellent 4. Learn More About Me. The Annuity Gator’s End Take on the Prudential Premier Retirement B HDI v3. If you’re still considering the Farm Bureau Select IV New Money 4. A 200% guaranteed withdrawal benefit that guarantees to double your income, provided that you wait until the later of 12 years or age 70 to begin taking your withdrawals. The Annuity Gator’s End Take on the Transamerica Income Edge 1. The Annuity Gator’s End Take on the American General Power Advantage 10 Fixed Index Annuity Where it works best: This annuity will typically work the best for those who are seeking: Safety of principal; The opportunity for additional, index-linked growth; Guaranteed lifetime income in retirement; Where it works worst:Opening Thoughts on the Perspective II Variable Annuity. As a source of guaranteed income delivered by a reliable company. It is rated highly by the insurer rating agencies, with an A- (Excellent) from A. Based in Boston, this large financial services company holds (as of September 30, 2017) roughly $6. At Annuity Gator, we take the frustration out of shopping for annuities. The Annuity Gator’s End Take on the TIAA-CREF Intelligent Variable Annuity. 0 product could be a viable option for those who: Want the opportunity for high, market-related returns; Are seeking a lifetime incomeThe Annuity Gator’s End Take on the Sentinel Security Life Personal Choice 5 Annuity Where this annuity works best: If you are seeking protection of principal; If you want a set rate of growth (at least for the first 5 years) If you want the security of knowing you’ll have a guaranteed income in retirement;At Annuity Gator, we are a team of experienced financial and annuity professionals who focus on providing in-depth, and unbiased, annuity reviews on the Internet. The Annuity Gator’s End Take on the Atlantic Coast Life Safe Haven 5 Annuity Where this annuity works best: Just like all products, there can be some pros and cons, meaning that the item or service may work well for some, and not-so-well for others. And, this money doesn’t necessarily have to be your hard-earned retirement savings. We can help you with the following three areas: 1). This means that the interest rate you choose will be guaranteed until the end of the initial guaranteed option period. But it will typically work the best for those who are seeking the following attributes:The Annuity Gator’s End Take on the Lincoln Impact Advantage Fixed Index Annuity Where it works best: Although this annuity may not be ideal for everyone, it could be a nice option if you are seeking the following features: The option for market index-linked growth; Protection of your principal; Guaranteed income in retirementWhile an annuity can provide you with a stable income source in retirement, not all annuities operate the same. My name is Matthew Taub. So, if you would like more details, feel free to set up a time to chat with an Annuity Gator retirement income expert. We have been at this for quite a while now – far longer than our competitors have – even though there are now a number of “copycat” websites that are popping up all over the. The table below shows how the performance of the S&P 500 index affects the interest that is credited to the value in the index account. ) By paying this fee, your money will grow or step-up in a separate account. We can be reached via phone, toll-free, at: (888) 440-2468 , or you can send us a message through our secure online contact form to schedule a time to chat with one of our retirement income. We have compiled the current annuity rates from top-rated insurance carriers that provide income now, income later, or are designed to securely grow your. At year-end, United Heritage Life Insurance held nearly $627 million in assets and nearly $71 million in capital and surplus. This annuity offers an initial rate guarantee of four years that begins on the issue date of the annuity contract. Annual withdrawals of 3. The Principal Financial Group (often simply referred to as The Principal) is a global financial investment management leader that is headquartered in Des Moines, Iowa. We have been doing this for quite a few years now – far longer than our competitors. The future results can be an essential factor, though, as they can ultimately make a difference in how your annuity performs – and in turn, how much income you can garner from the annuity in retirement. According to the Jackson National Life Insurance Company brochure on the BonusMAX One annuity, this product is a flexible premium deferred fixed annuity that can provide you with the following benefits: Preservation of principal. This annuity offers a unique advantage – particularly if the Income Aspect Income Rider is added, which can offer the power of a 10 percent simple interest crediting rate. We can be reached by phone at (888) 440-2468 , or by sending us an. So let’s get started! When going online to get annuity education and information, what you’ll find is that most of the websites are run by annuity agents. This seemingly endless stream of annuity “fine print” can often times lead to the complaints that are received about annuities – because customers will. Annuity Basics. The company offers more than 100 in-depth company reviews, a free online quiz, and free consultations with no obligation. Despite the current volatility in the. The Annuity Gator’s End Take on the Farm Bureau Select IV New Money 4 Multi-Year Guarantee Annuity Where this annuity works best: Just like all products, there can be some pros and cons, meaning that the item or service may work well for some, and not-so-well for others. S. The Annuity Gator’s End Take on the American Equity Bonus Gold Annuity Review Where it works best: For producing a reliable, “pension-like” guaranteed income stream (although there are other annuities with higher guaranteed income at this time) For producing an income for life that cannot be outlived by a surviving spouse Annuity details can be somewhat cumbersome to digest. For instance, if you own or plan to purchase an annuity, you may be able to add additional benefits or guarantees by way of “riders”. David was extremely helpful from start to finish. For producing an income for life that cannot be outlived by a surviving spouse. 0 is a 6-year annuity that offers investors several different time periods to choose from in terms of generating potential return and protection. Annuity Gator Terry Heys, CEO of Annuity Gator This is where text would go about annuities and explaining the video telling people why annuities are the way to. Overall fixed index annuity sales. The Annuity Gator’s End Take on the Lincoln Financial MYGuarantee Plus Deferred Fixed Annuity Where it works the best: If you want to lock into a set interest rate (for a set period of time) If you want to ensure that your principal is safe; If. 75% to 6%, depending on your age and the income. We have been at this for quite a while now – far longer than our competitors have – even though there are now a number of “copycat” websites that are popping up. The Annuity Gator’s End Take on the MasterDex X Annuity Where it works best: For producing a reliable, “pension-like” guaranteed income stream (so long as Simple Income rider is elected, and used shortly after purchase) For producing an income for life that cannot be outlived by a surviving spouse;In addition to the 6-year annuity, there is also an 8-year and a 10-year. The Annuity Gator’s End Take on the F&G Next Generation Accumulation Annuity – Power Accumulator Where it works the best: Although this fixed indexed annuity offers many nice benefits, it will typically work the best for those who are seeking the following attributes: Safety of principalThe Annuity Gator’s End Take on the Midland National Life Paragon Plus 14 Annuity Where it works best: This particular annuity will usually work the best for those who are looking for: The opportunity to obtain a higher rate. My name is Jason Siebert. I specialize in helping Americans financially prepare for retirement with the proper use of annuities. Beware of these annuity websites. Annuities can be complex. Annuity Gator exclusively works with a select group of vetted, independent advisors that specialize in delivering sound retirement planning strategies and unbiased annuity recommendations; we are not beholden to any. We Investigate Annuities So You Don’t Have To. The company is not an annuities broker and it’s not an insurance company. At Annuity Gator, our focus is on educating consumers and financial advisors on how annuities work, and how they can be incorporated into a tax-advantaged savings and a retirement income plan. Once the rate guarantee period has elapsed, the annuity owner will usually have the option to re-invest for another pre-determined period of time (at a new rate of interest). The amount of this charge will depend on the interest rate guarantee that is chosen – either a 5-year, 7-year, or 10-year. We. The Annuity Gator’s End Take on the Athene Ascent 10 Bonus 2. Annuity Gator is comprised of a team of experienced financial experts who are dedicated to helping you decode the complicated world of annuities. The Annuity Gator’s End Take on the Security Benefit Secure Income Fixed Indexed Annuity Where it works the best: This annuity could work for you if you are looking for: Safety of your principal – regardless of what occurs in the market; The opportunity for index-linked growth; Guaranteed lifetime income in retirement Annuity Gator is an annuity marketplace, allowing customers to compare to annuities to find the best option. The Annuity Gator’s End Take on the AXA Investment Edge Variable Annuity Where it works best: When considering the AXA Investment Edge annuity, it can oftentimes work the best in situations where an investor has already “maxed out” his or her employer-sponsored retirement plan and/or IRA accounts and still wants the ability to invest in. Where it works best: The American National Palladium Century 1 fixed annuity will generally work best for those who are looking for: Safety/protection of principal. Annuity Gator is a website that helps you compare and choose annuities from different providers. After researching a 60 and 115% fund index rates I noticed that after the initial period of 12 to 24. 0 if you: Own, or plan to purchase, an associated Prudential Premier variable annuity; Are looking for a way to attain guaranteed income for your life, no matter how long that may be American Equity Investment Life Insurance Company, the parent company of Eagle Life Insurance Company, has a strong financial footing, with more than $53 billion in assets. 6:01 AM, 22 March 2019 . Best (as of June 2018) and an A- (Strong) from Standard & Poor’s. Considered strong and stable financially, Upstream has been assigned a B++ rating from A. The Annuity Gator’s End Take on the Transamerica Vanguard Variable Annuity Where this annuity works the best: For those who are looking for market-related growth; For those who are seeking lifetime income; For those who are seeking a way to diversify their assets; Where this annuity works the worst: For those who have a low-risk toleranceAnnuity Gator. So, feel free to reach out to us by phone at (888) 440-2468 or via email by going to. Learn More About Me. Guaranteed lifetime income stream. These updates include funds that have been merged into the annuity that was not previously available. Compare the annuity’s performance against. Annuity details can be somewhat cumbersome to digest. For producing an income for life that cannot be outlived by a surviving spouse. Guaranteed lifetime income in retirement. The Annuity Gator’s End Take on the Jackson National Life BonusMAX Two Annuity Where it works best: The Jackson National BonusMAX Two annuity may work the best for those who are looking for the following: Safety of principal; Guaranteed lifetime income; Guaranteed rate protection – at least for a short period of time after purchasing the. Here at Annuity Gator, we publish the most comprehensive independent annuity reviews online and have been doing it longer than many of the copycat annuity review websites you see now. Where the New Heights 10 annuity works the best: Although this fixed indexed annuity offers many nice benefits, it will typically work the best for those who are seeking the following attributes: Safety of principal. The company states that annuities are generally best for investors between ages 50-75 with at least $100,000 in retirement savings. We have been at this for a number of years now, and quite a bit longer than any of our competitors out there – and because of that, we’ve become a known and trusted source of annuity information. I help clients all over the country find ways to generate more retirement income and see how to securely grow and protect their money during these turbulent times. On the company’s website, the Security Benefit Secure Income Annuity is defined as a flexible premium deferred fixed indexed annuity that is available to individuals up to age 80. You can compare and research over 100 retirement annuities without meeting with a sales agent, and get personalized and customized strategies based on your goals and needs. We have been at this for quite a while now – far longer than our competitors have – even though there are now a number of “copycat” websites that are popping up. This rate is declared by the offering insurance company, and unlike a variable annuity or an indexed annuity, the return on a fixed index annuity is not tied to the performance of the stock market or an underlying market index like the S&P 500. This can come from personal (non-qualified) funds, or you can use qualified dollars that are rolled over from an IRA or employer-sponsored retirement plan. Despite the current volatility in the market and the elevated. For the full year 2019, United Heritage Life Insurance Company took in nearly $102 million in insurance and annuity premium for a net income in excess of $5 million. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. (The. At Annuity Gator, our mission is to educate consumers and financial professionals about how annuities work, and where they may – or may not – fit into a particular portfolio, based on risk tolerance, time frame, and specific short and long-term objectives. But, if you are leaning towards the Fidelity Investment Life Insurance Company Personal Retirement Variable Annuity, then it could be a viable option for you if you are. These fees include an annual contract maintenance. We strive to create unbiased, yet highly comprehensive, annuity reviews – and we have been at this for far longer than most of those “copycat” websites out there. Annuity Gator helps people research and compare annuities with free information and advice from licensed professionals. The Annuity Gator’s End Take on the Midland National MNL Guarantee Ultimate ll 5 Year Annuity Where it works best: This particular annuity will typically work the best for those who are looking for the following benefits: A short-term interest rate guarantee – in this case, five years; Safety of principal; Guaranteed lifetime incomeThe Annuity Gator’s End Take on the Securian MyPath Ascend 2. 4 billion in operating revenues and operating income in excess of $774 million,. 2 Living Benefit Rider The Transamerica Income Edge 1. I received a thorough understanding which left me at ease with a clear mind. The Annuity Gator’s End Take on the Global Atlantic ForeAccumulation ll Fixed Indexed Annuity. With an indexed annuity, the return is based in large part on an underlying market index, such as the S&P 500. We met several times by phone and Zoom meetings, and he walked. In addition, there is an annual service charge of $35, up to a maximum of $50. The Annuity Gator. The Annuity Gator’s End Take on the Allianz Master Dex 10 Fixed Indexed Annuity Where it works best: This annuity may work the best if you are looking for: Safety of your principal – regardless of what occurs in the market; The opportunity for index-linked growth; Guaranteed lifetime income in retirementAt Annuity Gator, we focus on educating consumers (and financial professionals) on how annuities work, and where certain types of annuities might fit into an overall retirement plan. Despite the current volatility in the market and the low. In the case of the LiveWell 10-Year Fixed Index Annuity from Sammons, you will find that if you choose to add the optional guaranteed lifetime withdrawal benefit, there is an additional fee involved. He. Throughout the years, this insurer has grown and expanded, both in terms of client base and assets under management. Consultations with the company are free. The Annuity Gator’s End Take on the Guggenheim Highlander Fixed Indexed Annuity: Where it works best: This particular annuity will usually work the best for those who are looking for: The opportunity to obtain a higher rate of growth than that of a regular fixed annuity; Safety of principal; Lifetime income – with income guaranteeThe Annuity Gator’s End Take on the MassMutual RetireEase Immediate Fixed Income Annuity Where it works the best: While immediate annuities are definitely not the ideal solution for everyone’s needs, this product could fare well for you if you are seeking: A reliable income stream right away (or one that starts within 12 months after purchasing. Pacific Life has been helping clients to grow and protect wealth for nearly a century and a half. 8 350 total 83% 5% 2% 2-star 2% 1. Retirement annuities (or RA’s) are a type of fund in terms of the Pension Funds Act in that they are tax-advantaged investment vehicles designed for individual investors (versus employees who are participants in a workplace retirement fund). Best and a Long-Term Issuer Credit Rating of bbb+. Again no pressure to buy anything. The minimum fee for this feature is . My name is Donna Lee. So, if you would like to learn more, feel free to contact us at (888) 440-2468 , or send us an email by going to our secure online form . The Annuity Gator’s End Take on the Midland National MNL IndexBuilder 10 Fixed Index Annuity Where it works best: This particular annuity will usually work the best for those who are looking for: The opportunity to obtain a higher rate of growth than that of a. M. At Annuity Gator, we are a team of experienced financial and annuity professionals who specialize in providing in-depth, and unbiased, annuity reviews on the Internet. Buffer annuities allow you to take part in the growth of one or more underlying market indexes (such as the S&P 500), while at the same time keeping your account from incurring a set amount of loss. How to get guaranteed increasing income for the rest of your life. Hagin . The Annuity Gator’s End Take on the TIAA Traditional Fixed Annuity Where it works best: Given its safety and income options, the TIAA Traditional annuity will usually work the best for those who are looking for: Guaranteed lifetime income Safety of principal A set rate of interest Tax-deferred growthThe Amplify 2. I specialize in helping my clients financially prepare for retirement with the proper use of annuities. For investors who have a high tolerance for risk. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates. Indexed Annuity; Deferred Annuity; Fixed Annuity; Variable Annuity; Annuity Reviews. The opportunity for index-linked growth. product was identified and. Just reach out to us by calling our annuity hotline at 888-440-2468 or fill out this confidential. Learn More About Me. Balanced safety and growth. Use the form on our website and one of the AnnuityGator. Opening Thoughts on the Fidelity Personal Retirement Annuity Fidelity is a fairly well-known name in the financial arena. I help clients all over the country find ways to generate more retirement income and see how to grow and protect their money during these turbulent times securely. The fees that are paid for an annuity are absorbed by the dividends they pay and are only apparent if you go looking for them. Where this annuity works the best: Considering all of this TIAA-CREF variable annuity’s pros and cons, it could be a good fit: For those. Before purchasing any investment product be sure to do your own due diligence and consult a properly licensed professional should you have specific questions as they relate to. Annuity Gator Has Helped Countless Clients All Around The Country Purchase An Annuity. 75%. The Annuity Gator’s End Take on the North American Prizm Plus 14 Fixed Index Annuity Where it works best: This particular annuity will usually work the best for those who are looking for: The opportunity to obtain a higher. 2 billion in equity. Despite the current volatility in the. I help clients all over the country find ways to generate more retirement income and see how to securely protect their money during these turbulent times. At Annuity Gator, our mission is to educate consumers (as well as financial advisors) about how these financial vehicles work, and how they can provide you with a steady and reliable income source. My name is Mark Shelby, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. If you have been seeking more information about annuities online, you have. Your broker or plan administrator can set this up for you. 75% to 6%, depending on your age and the income option. I help clients all over the country find ways to generate more retirement income and see how to grow and protect their money during these turbulent times securely. Annuities are a unique product in that. Here, we strive to create unbiased, yet highly comprehensive, annuity reviews – and we have been at this for far longer than most of those “copycat” websites out there. At Annuity Gator, we specialize in helping people understand annuities and how these financial vehicles can help to supplement retirement income. My name is Mike Kalisch, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. Annuity Gator connects its customers to a wide range of annuity providers. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. Upstream Life is headquartered in Dallas, Texas. Learn More About Me. So, if you are still considering the. While the fixed rate period is five years on all of these options, the rate can vary, typically being higher with the longer surrender periods. The Annuity Gator’s End Take on the Lincoln ChoicePlus Assurance Variable Annuity Where it works best: For investors who have a high tolerance for risk. Annuity Gator prides itself on allowing consumers to search for the best products, provide users with in-depth reviews on annuities products and ultimately helps you make. In 2018, on top of the $18,000 regular limit to a 401 (k) plan, workers 50 and older can add an additional $6,000 per year in catch-up contributions. With that in mind, having an income plan in place before it is actually needed is highly recommended. My name is Zach Poitra. Annuity Gator is a trusted source of independent and transparent annuity guidance and recommendations. 00%. As an income source for investors who have a longer timeline. The contract also offers a 2% interest bonus in the first contract year and a 1% interest bonus in the second. For any annuity-related questions you may have, feel free to reach out to us directly at (888) 440-2468, or send us an email. That is because you can count on a set amount of income for as long as you need it – no matter how long that may be. The Jackson National Perspective II variable annuity has had its ups and downs throughout the years. This is particularly the case as the stock market has been so volatile, and unpredictable – in turn, leaving some investors high and dry (or more like low and dry) when it comes to achieving returns. And, if you choose the lifetime income option, this. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. As of mid-2019, Equitable had more than $952 million in admitted assets, which is a 96% increase from just one year prior. Despite the current volatility in the. Fixed, variable, and indexed annuities all offer the opportunity to convert, or “annuitize”, and generate a stream of income for a set time period, or even for the remainder of your lifetime. This means that regardless of future economic conditions. This is because the contract will provide the. At Annuity Gator, we are a team of experienced financial and annuity professionals who focus on providing in-depth, and unbiased, annuity reviews on the Internet. As of year-end 2018, American Equity. It may take a couple of days to be placed on our site, so please check back later this week or early next to read over the information on this. Despite the current volatility in the market and the low. Welcome. So, if you would like to get a better. Where the New Heights 10 annuity works the best: Although this fixed indexed annuity offers many nice benefits, it will typically work the best for those who are seeking the following attributes: Safety of principal. com team members will personally. Which sounds really cool at first. have an annuity question? Our Advisors. Athene USA serves customers in all 50 of the United States. If you’re still considering the Safe Haven 5 annuity from Atlantic Coast Life Insurance. ”. 5 trillion in total customer assets, and services approximately 26 million individual customers for which it transacts more than 1/2 million. This company is known for its strong balance sheet, as well as good, solid capitalization levels and significant earnings base. The Annuity Gator’s End Take on the Lincoln Financial Lifetime Income Edge Fixed Index Annuity Where it works best: The Lincoln Financial Lifetime Income Edge Fixed Index Annuity may be a viable option for you if you are looking for: Protection of your principal; The potential for higher growth; A lifetime stream of guaranteed incomeThe Annuity Gator’s End Take on the AXA Retirement Cornerstone Variable Annuity Where it works best: If you are considering the AXA Retirement Cornerstone annuity, it may work best for those who want to be invested for market growth – and also want the opportunity to diversify funds – along with having the opportunity for retirement. (Although up to $35 can be waived with net premiums paid or a policy value of $50,000 or more – and up to $50 can be waived if your policy value is $250,000 or more). For investors who have a family history of life longevity. For. However, the fine points and pitfalls of the annuity suggested were not fully explained. This, and other updated information, can also be obtained by reading page 164 of the prospectus, or by. Annuity Gator is a trusted source of independent and transparent annuity guidance and recommendations. The Annuity Gator’s End Take on the Sun America Polaris Variable Annuity Where it works best:According to the TIAA brochure, the Single Premium Immediate Annuity is a product that allows you to “build retirement income your way. 0 Where it works the best: You may want to consider the Prudential HDLI v3. He took the time to educate me on the alternatives available in the field of annuities. That is because the Allianz MasterDex X annuity, even with the Simple Income Rider, will not likely produce much more than a 5% return overall. Feel free to contact us directly by phone at (888) 440-2468 and chat with one of our annuity specialists. 60% a year, and the maximum annual fee for the life of the contract is 2. 60% a year, and the maximum annual fee for the life of the contract is 2. One thing not discussed in the report though is the real reason to use annuities (for some investors): to get a guaranteed lifetime income they cannot outlive . TIP: Only one kind of annuity invests in mutual funds: the variable annuity. You will also find that as of late June 2019, the company had closed out 136 complaints over the past. In many ways, buffer annuities are structured like regular fixed indexed annuities, except in the case of a buffer annuity, your principal is not. However, they differ from regular fixed annuities in the way their return is determined. 55%. For instance, this annuity can provide you with a personal pension-like income. Fixed index annuities offer their holders a set amount of interest that is credited on an annual basis. My name is Ryan McNeill. Founded in the late 1800s as an insurance company, The Principal has grown and expanded exponentially over the years. The growth component of a Protected Growth Annuity is tied directly to market indexes like NASDAQ, DOW, and S&P 500. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. In 2018, on top of the $18,000 regular limit to a 401 (k) plan, workers 50 and older can add an additional $6,000 per year in catch-up contributions. These begin in Year 1 at 9%, and they gradually grade down to . The Annuity Gator’s End Take on The Standard Focused Growth Annuity Where it works best: Safety of principal; Guaranteed lifetime income in retirement; Guaranteed rate protection – at least for a short time after purchasing the annuity; Where it works worst: If you are seeking a long-term rate guarantee; If you are looking for a higher returnAccording to the Sagicor Life Insurance Company’s website, the Milestone MYGA is a single premium deferred fixed annuity. The Annuity Gator’s End Take on the Jackson National Elite Access Advisory Variable Annuity Where it works the best: For those who are seeking the opportunity for a higher rate of return; For those who have a higher tolerance for risk; Where it works the worst: If you have a low tolerance for risk; If you are seeking protection of principal The Axiom II annuity product also charges an annual mortality and expense fee (M&E) of 1. Therefore, if you would like more information on SPIAs and/or you would like us to review an annuity that you already own, please feel free to contact us directly by. The surrender charges on the Allianz Life 360 Annuity run for ten years – which is actually quite a long time, even in the annuity arena. The Annuity Gator’s End Take on the Guggenheim Preserve 9 Year Multi-Year Guarantee Annuity Where this annuity works best: While the Guggenheim Life Preserve 9 Year Multi-Year Guarantee annuity may not be right for everyone, it could be a good option for those who are seeking the following benefits:The Annuity Gator’s End Take on the VALIC Power Index Elite Fixed Indexed Annuity Where it works the best: As an index-linked deferred fixed annuity, the VALIC Power Index Elite annuity could be a good fit for those who: Have taken early retirement and received a lump sum distribution;Learn More About Me. 0 Fixed Index Annuity with Income Rider 1: Where it works best: This particular annuity will usually work the best for those who are looking for: The opportunity to obtain a higher rate of growth than that of a regular fixed annuity;The Annuity Gator Podcast “Our podcast features ideas, tips and tricks to help you achieve your dream retirement. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. Slow but steady growth over time. 0 Optional Income Benefit If you are seeking a guaranteed income for life, then the MyPath Ascend optional income benefit rider may be a viable choice for you. (Then, following the initial guaranteed option period, renewal interest rates. A check was sent promptly and just as promptly, cancelled, due to “ wrong amount sent”. Rather, it will simply be credit with 0% for that period. Independent annuity professionals provide honest. The Annuity Gator Blog: Annuities. At Annuity Gator, our mission is to educate consumers on all things annuity. Given this, it is important to consider any annuity a long term financial endeavor. Annual withdrawals of 3. Many indexed annuities will actually allow you to track multiple indexes from a list of options. It’s our firm belief that when. There are also fees involved if you choose the Lifetime Income Benefit and Wellbeing Rider options. The Annuity Gator’s End Take on the Athene Ascent Accumulator 10 Fixed Indexed Annuity Where it works the best: This annuity could work for you if you are looking for: Safety of your principal – regardless of what occurs in the stock market; The opportunity for index-linked growth, as versus just a set (low) rate of returnThe Annuity Gator’s End Take on the EquiTrust Certainty Select Multi-Year Guarantee Annuity Where this annuity works best: Just like all product or service offerings, there will usually be some pros and some cons with annuities, meaning that the item or service may work well for some, and not-so-well for others. The Annuity Gator’s End Take on the Guggenheim Highlander Fixed Indexed Annuity: Where it works best: This particular annuity will usually work the best for those who are looking for: The opportunity to obtain a higher rate of growth than that of a regular fixed annuity; Safety of principal; Lifetime income – with income guarantee The Annuity Gator’s End Take on the MassMutual RetireEase Immediate Fixed Income Annuity Where it works the best: While immediate annuities are definitely not the ideal solution for everyone’s needs, this product could fare well for you if you are seeking: The traditional way to get an income from a stock and bond portfolio is to make automatic withdrawals. I help clients all over the country find ways to generate more retirement income and see how to securely protect their money during these turbulent times. Despite the current volatility in the. product was identified and information sent. Learn More About Me. The Annuity Gator’s End Take on the Athene Ascent 10 Bonus 2. That being said, there are still some ways to determine whether or not to. In this case, the option with the compounding IAV rate of 6% will cost you an annual rider fee of 1%, while the Lifetime Income Benefit and. The Solutions MYG6 annuity is described as a multi-year guarantee annuity (MYGA) that provides a guaranteed interest rate period of six years. The Annuity Gator’s End Take on the Index Advantage Annuity from Allianz Life Where it works the best: For accumulating funds, without the risk of a catastrophic loss to the contract value For adding money to a tax-advantaged account – especially if other options such as an IRA and/or employer-sponsored retirement plan has been maxed out. Mutual funds are popular because they give investors an automatic layer of diversification, offering investors a choice of funds from among the categories of stocks, bonds, balanced funds, and money market funds. How Do Annuities Work; What is a Retirement Annuity? What is Annuity Income? Annuity Types. We can be reached by phone at (888) 440-2468 and via email by going to our secure online contact form. Despite the current volatility in the. The Annuity Gator’s End Take on the Nationwide INCOME Promise Select Annuity Even though an immediate annuity isn’t the right option for everyone, there are some scenarios where it could fit in quite nicely. Like most “report cards,” this grade is on a scale of A through F – so at the moment, there are at least a few areas where Athene needs to do some work. But the tradeoff here is these riders oftentimes require an added expense. If you’re still considering the Fidelity FG Guarantee. These contributions are tax-deductible and they grow tax-deferred. Buffer annuities allow you to take part in the growth of one or more underlying market indexes (such as the S&P 500), while at the same time keeping your account from incurring a set amount of loss. Hi Ken – Thank you for your comment. I help clients all over the country find ways to generate more retirement income and see how to grow and protect their money during these turbulent times securely. You could also be subject to an annual maintenance fee of either $50 or 2% of the account value – whichever amount is less. Annuity Gator, Cortaro, Arizona. 5 trillion in total customer assets, and services approximately 26 million individual customers for which it transacts more than 1/2 million commissionable trades per day! Have an annuity question? Your information is 100% confidential and your email will never be spammed! Just a friendly response to answer your questions and help point you in the right direction. Opening Thoughts on the Fidelity Personal Retirement Annuity Fidelity is a fairly well-known name in the financial arena. The Annuity Gator’s End Take on the Jackson National Life Action Fixed Annuity. The Annuity Gator’s End Take on the NAC North American Guarantee Choice 5 Annuity Where this annuity works best: If you are seeking protection of principal in any market condition; If you want a set rate of growth for a certain period of time, without the worry of losses in a volatile market;The Annuity Gator’s End Take on Nationwide’s New Heights 10 Fixed Index Annuity. Despite the current volatility in the. There are some other key features to consider with the. So, if you’d like more information on whether or not an annuity is right for you, feel free to reach out to us directly by phone at (888) 440-2468 , or. After waiting 20 minutes, I called in to inquire what was going on, and then about 1/2 hour later, Brian called acting as if nothing were wrong. And, because of the in-depth reviews that we provide, we have become a highly. 12:36 PM, 16 June 2017 . The Lifetime Income Benefit with the IAV rate of 5. Here you’ll find truthful, clean and understandable information regarding annuities. 70% for joint life (both you and your spouse. Our annuity ranking software will help you compare the best annuities for retirement and recommend a customized annuity strategy, so you can get the most bang for your buck. 6%, with an account value of $110,000, which gives you an annual income for life of $5,160. We look forward to helping you protect the ones you love with your own unique legacy. | Read 141-160 Reviews out of 3431 review US Feb 5, 2021 Invited Hidden costs and fund participation rate variances explained by Annuity Gator Initial contact was expedient. I help clients all over the country find ways to generate more retirement income and see how to securely protect their money during these turbulent times. 1 Sep 25, 2022 Date of experience: September 22, 2022 Joan Lunebach 4 US Apr 12, 2023 Verified Pleasant and super efficient . The Annuity Gator’s End Take on the Mass Mutual Odyssey Select 7-Year MYGA Annuity Where this annuity works the best: If you want principal protection; If you are seeking an interest rate guarantee; If you plan to use the guaranteed income feature; Where this annuity works the worst: If you want the opportunity for a higher rate of returnOpening Thoughts on the Pacific Life Pacific Mariner 3 Year Annuity. The MYGA Plus is a multi-year guaranteed, single-premium deferred fixed annuity with an IndexLinked Option offered by Ibexis Life & Annuity Insurance. Fixed annuities like the Secure Legacy MYGA product offer a great deal of certainty, even in an uncertain financial world. What's the biggest question that you have about annuities? *. Identify the long-term impact of your annuity fees (on your annual returns, initial deposit, and income). This is applied as a percentage of the daily net assets of the variable sub-accounts. The Annuity Gator’s End Take on the Athene MaxRate Multi-Year Guarantee Annuity Where this annuity works best: While the Athene MaxRate Multi-Year Guarantee annuity may not be right for everyone, it could be a good option for those who are seeking the following benefits: Guaranteed growth (at least for the first seven years) Protection of. Despite the current volatility in the market and the low interest. Ameritas describes the Compass Index Annuity as a product that offers the following benefits: Upside potential. My name is Robert ”Bob” Gardner. What’s Included In This Annuity Ranking Report This Annuity Ranking Report was created using our up-to-date computer models to evaluate hundreds of annuities of all shapes and sizes. For instance, this annuity has ten years of back-end surrender charges. Retirement annuities (or RA’s) are a type of fund in terms of the Pension Funds Act in that they are tax-advantaged investment vehicles designed for individual investors (versus. Best. 0 Annuity Where this annuity works best: This annuity could be a viable option for you, provided that you: Are seeking the opportunity for higher return; Have a high tolerance for risk; Want the ability to boost your lifetime income in retirementThe Athene Ascent fixed indexed annuity is primarily designed for those who will need income in ten years or more, and who want to obtain guarantees with growth potential. Annuity Gator specializes in helping Americans financially prepare for retirement with the proper use of annuities and income planning strategies. Annuity Gator is an annuity marketplace, allowing customers to compare to annuities to find the best option. As with other variable annuity products, there are also additional charges, based on the underlying investments that are selected. The Annuity Gator’s End Take on the MassMutual RetireEase Deferred Income Annuity Where it works the best: This annuity could be a good option for those who: Anticipate a long lifespan; Will need retirement income in the extended future (up to 30 years before it begins) Are seeking a guaranteed income later in lifeThe Annuity Gator’s End Take on the Northwestern Mutual Fee Based Select Variable Annuity Where this annuity works the best: There is no one-size-fits-all investment that is right for everyone. I help clients all over the country find ways to. I specialize in helping my clients financially prepare for retirement with the proper use of annuities. The Annuity Gator’s End Take on the Athene Agility 7-Year Fixed Indexed Annuity Where it works the best: This annuity could work for you if you are looking for: Safety of your principal – regardless of what occurs in. Share your videos with friends, family, and the worldMYGA Plus. Better to lock in a guaranteed lifetime income. schedule your web demo. The Annuity Gator’s End Take on the Fidelity Personal Retirement Variable Annuity Where it works best: There is no one-size-fits-all investment that is right for everyone. At the 15 year mark, you would have received a total of $77,000, and at the 20-year mark, you would have received just over $103,000. For investors who have an amount of money they want to pass on to their family while avoiding the expense of probate. The company held approximately $158 billion in total assets as of year-end 2017, as well as more than $11. Where it works best: For producing a reliable, “pension-like” guaranteed income stream. For instance, the Better Business Bureau has given Athene an overall grade of C-. My name is Terry Ciotti, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. The annual charges for these are 0. 20% for a single Life or 2. In other words, this product is a variable and index-linked annuity contract that provides for the accumulation of retirement savings, on a tax-deferred basis. The Annuity Gator’s End Take on the Pacific Life Expedition Fixed Deferred Annuity Where it works the best: The Pacific Life Expedition Fixed Deferred Annuity, while not for everyone, could be a good option if you are seeking: A guaranteed rate of interest for a set period of time (in this case, either 5 or 7 years)Opening Thoughts on the Principal Preferred Series Annuity. If you would like to learn more about which annuity – if any – could fit in with your financial objectives, just give Annuity Gator a call and talk with an annuity specialist. In this example, it is assumed that $100,000 is contributed to the MEMBERS Index Annuity up-front and that the index has a cap of 7%. For additional flexibility, this product also offers three different crediting methods, four index options, and a fixed. We have been at this for quite a while now – far longer than our competitors have – even though there are now a number of “copycat” websites that are popping up. The Annuity Gator’s End Take on the NCIT – American Funds Lifetime Income Builder TDS The NCIT – American Funds Lifetime Income Builder is a new, hybrid financial vehicle. com team members will personally. M. This is a good example of why consumers absolutely need to run the numbers before moving forward with the purchase of an annuity – as these products will oftentimes take a large percentage of you overall retirement savings, and they are quite difficult to get out. Each annuity review is written with the goal of publishing the most complete, unbiased annuity reviews available on the World Wide Web today. There is a wide array of riders that could be added, depending on the annuity, such as guaranteed income or a return of premium. The Annuity Gator’s End Take on the Athene Ascent Accumulator 10 Fixed Indexed Annuity Where it works the best: This annuity could work for you if you are looking for: Safety of your principal – regardless of what occurs in the stock market; The opportunity for index-linked growth, as versus just a set (low) rate of return The Annuity Gator’s End Take on the EquiTrust Certainty Select Multi-Year Guarantee Annuity Where this annuity works best: Just like all product or service offerings, there will usually be some pros and some cons with annuities, meaning that the item or service may work well for some, and not-so-well for others. Likewise, there is also a fee to add the optional guaranteed minimum death benefit. Adam Grubius LICENSED ANNUITY ADVISOR. The Annuity Gator’s End Take on the Pacific Life Frontiers ll Deferred Fixed Annuity Where it works the best: If you want to lock into a set interest rate (for a set period of time) If you want to ensure that your principal is safe; If you plan to use the lifetime income feature;At Annuity Gator, we focus on educating consumers and financial professionals on how annuities work, and where they may – or may not – fit in an individual’s portfolio. (This annuity has a 7-year surrender charge period). Your choice of interest rate guarantee periods. The Annuity Gator’s End Take on the Great American Index Summit 6 Annuity Where it works the best: If you want the opportunity for a higher return than a regular fixed annuity; If you have a higher risk tolerance; If you plan to use the guaranteed income feature; Where it works the worst: If you want principal protection for all funds in the. This annuity is designed to provide the potential for growth, without the risks that are associated with investing in the stock market. My name is Barbara Halperin, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. I help clients all over the country find ways to generate more retirement income and see how to securely protect their money during these turbulent times. With a retirement annuity, you can grow your savings on a tax-deferred basis. We review annuity products nearly every day, so if you’ve got a question or want to have one annuity tested against another, we’re the people who can help. When you initially purchase an annuity, funds may be contributed in a number of ways, depending on whether the annuity is immediate or deferred. Sources Retirement Uses for Your Health Savings Account (HSA). 35% respectively. The Annuity Gator’s End Take on the NAC North American Guarantee Choice 5 Annuity Where this annuity works best: If you are seeking protection of principal in any market condition; If you want a set rate of growth for a certain period of time, without the worry of losses in a volatile market The Annuity Gator’s End Take on Nationwide’s New Heights 10 Fixed Index Annuity. The Annuity Gator’s Take on the American Equity Foundation Gold Annuity Where it works best: For instance, if the participation rate is 80%, then your annuity will only be credited with 80% of the return on the index. You can reach us by phone at (888) 440-2468, or you can send us an email via our secure online contact form. These charges typically apply to withdrawals taken out of the account during the first six to eight years, and they are one-time fees, but surrender periods could last for as long as 10 years. We also offer in-depth details and reviews on hundreds of annuities in our annuity review database.