If you want to learn modern approaches to protect and grow your retirement savings and ensure that. M. But that’s not all. These charges will start at 9% and grade down each year until year ten. Each annuity review is written with the goal of publishing the most complete, unbiased annuity reviews available on the World Wide Web today. 5:38 PM, 19 February 2019 . For. Welcome. Opening Thoughts on the Fidelity Personal Retirement Annuity Fidelity is a fairly well-known name in the financial arena. Nationwide has a history of strength that has lasted for more than 90 years, and today it is one of the largest insurance and financial services companies in the world. Reviews are posted at the request of readers so they could see an independent perspective when breaking down the positives and negatives of specific annuity contracts. In reality, the only way to know if this annuity is a good fit for your specific situation is to have it tested. My name is William Seeley. There is a wide array of riders that could be added, depending on the annuity, such as guaranteed income or a return of premium. So, if you have questions or want to learn more, contact us directly by calling (888) 440-2468 or you can send us an email through our secure online contact form. Penn Mutual Insurance Company describes the Premier annuity as a type of retirement plan that includes the following benefits: Strong retirement savings growth potential. I specialize in helping my clients financially prepare for retirement with the proper use of annuities. 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. 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 income The 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. Fisher is spot on in sharing the importance of keeping costs low. The Annuity Gator’s End Take on Canvas Annuity At Annuity Gator, we feel that annuities are good financial options – provided that they are purchased for the right reasons. 4 Comments . Annuity Gator is a team of experienced financial experts who are dedicated to helping you decode the complicated world of annuities. As with other variable annuity products, there are also additional charges, based on the underlying investments that are selected. 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. 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. With the Market Index annuity from Puritan Life, you make just one single lump-sum premium payment. Initial contact was expedient. 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. Beware of these annuity websites. With an indexed annuity, the return is based in large part on an underlying market index, such as the S&P 500. I requested money from my Athene Annuity to repair an extremely damaged roof. The broker openly acknowledges that annuities aren’t 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. 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. 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. Compare the annuity’s performance against. Ameritas describes the Compass Index Annuity as a product that offers the following benefits: Upside potential. 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. 50% in Year 10, until they reach 0% in Year 11 and thereafter. The Annuity Gator’s End Take on the SecureOption 9 Annuity from Minnesota Life/Securian Financial Group 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. 2 billion. Plus, if you withdraw funds from the annuity when you are under. The Annuity Gator’s End Take on the Western United Life Navigator Elite MVA 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 Annuity Gator’s End Take on the Protective Life Insurance Company’s Income Creator Annuity. 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. 11:13 AM, 29 January 2019 . This seemingly endless stream of annuity “fine print” can often times lead to the complaints that are received about annuities – because customers will. The Annuity Gator’s Take on the American Equity Foundation Gold Annuity Where it works best:At Annuity Gator, we make up a team of experienced financial and annuity professionals who focus on providing in-depth, and unbiased, annuity reviews on the Internet. 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. This annuity requires a minimum initial purchase payment of $25,000 with minimum subsequent premium payments of at least $1,000. 8 VERIFIED COMPANY annuitygator. For instance, the Better Business Bureau has given Athene an overall grade of C-. 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. ”. Learn More About Me. 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. M. In many ways, buffer annuities are structured like regular fixed indexed annuities, except in the case of a buffer annuity, your principal is not. 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. product was identified and information sent. The growth component of a Protected Growth Annuity is tied directly to market indexes like NASDAQ, DOW, and S&P 500. The Annuity Gator’s End Take on the General American Power Select Plus Fixed Index Annuity Where it works the 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 the worst:These include the following: Annual contract fee (if the annuity’s contract value is below $25,000) – $30. According to the Allianz Endurance Plus Annuity Product Profile [/desktoponly] Thereafter. The company offers more than. An accumulation vehicle for someone who needs access to their money. 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. The representative also went into detail and explained to me the pros and cons of my annuity. I specialize in helping my clients financially prepare for retirement with the proper use of annuities. 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. ) By paying this fee, your money will grow or step-up in a separate account. We offer this testing for free at Annuity Gator. The Annuity Gator’s End Take on the Brighthouse Income Annuity While an immediate annuity may not be right for everyone, the Brighthouse Income Annuity could be a good option for you if you are seeking the following benefits: >A reliable income stream right away (or one that starts relatively soon after purchasing the annuity). 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. (This annuity has a 7-year surrender charge period). The Annuity Gator’s End Take on the American National Strategy Indexed PLUS 7 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. This annuity tracks the S&P 500 index. Annuity Gator Annuity Gator Reviews 350 • Excellent 4. When you initially purchase an annuity, funds may be contributed in a number of ways, depending on whether the annuity is immediate or deferred. 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. We have been doing this for quite a few years now – far longer than our competitors. 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. 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. 25%. The Annuity Gator’s End Take on the Transamerica Income Edge 1. For instance, if you withdraw more than 10% of the annuity’s contract value within the first full nine years, you will incur a withdrawal fee. My name is Terry Ciotti, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. 4 billion in operating revenues and operating income in excess of $774 million,. Income that can keep pace with inflation and market growth. com team members will personally. 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. 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. Despite the current volatility in the. In this case, while longer terms will typically offer higher rates of return, shorter terms can help with managing market fluctuations better. Given this, it is important to consider any annuity a long term financial endeavor. But, if you are leaning towards the Northwestern Mutual Fee Based Select Variable Annuity, then it could be a viable option for you if you are seeking. Here you’ll find resources to help you retire with confidence. The Annuity Gator. These indexes serve as benchmarks for market growth and determine the annuity’s returns during the contract term or term length. 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. Despite the current volatility in the market and the low. The Annuity Gator’s End Take on the AIG / American General American Pathway Annuity Where this annuity works best: This annuity may be a good product for those who are looking for the following benefits: A fixed rate guarantee. 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. Better to lock in a guaranteed lifetime income. We can also help you to narrow down the annuity (or annuities) that could work for your particular retirement and other financial objectives. The Annuity Gator’s End Take on the Great American Landmark 3 Fixed Index Annuity Where it works the best: Although this annuity comes with a number of nice benefits, it will typically work the best for those who are seeking the. 5% will also come with an annual rider fee of 0. The Annuity Gator’s End Take on the Mass Mutual Stable Voyage 7-Year MYGA Annuity Where it works best: For those who are seeking safety of principal; For those who want a set rate of growth (at least during the guarantee period of 7 years, and possibly a renewed guarantee period) For those who are seeking a set, ongoing income stream in. This has led some to complain publicly. 0 Variable Annuity Where the annuity works best: As a variable annuity, the Nationwide Life Destination Architect 2. 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. Where it works best: This particular annuity will typically work the best if you are looking for: A long-term interest rate guarantee (7 years initially) Safety of principal Guaranteed lifetime income; Where it works worst:The Annuity Gator’s End Take on the Eagle Life Insurance Company’s Eagle Platinum Annuity Where it works best: This particular annuity will typically work the best if you are looking for: A set interest rate guarantee; Safety of principal; Guaranteed lifetime income; Where it works worst: This annuity may not work well if you:My name is Richard Scott. 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. We have been at this for quite some time now – far longer than our competitors have – even though there are now a number of “copycat” websites that are popping up. The company specializes in annuities, as well as mutual funds, retirement plans, and life insurance coverage. You could also be subject to an annual maintenance fee of either $50 or 2% of the account value – whichever amount is less. The Annuity Gator’s End Take on the Athene Ascent 10 Bonus 2. So, if you have questions – or if you’d like to discuss whether or not an annuity is right for you – contact us at (888) 440. 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. 10% to . 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. My name is Mike Kalisch, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. Overall fixed index annuity sales. Although these fees can be steep, they are roughly the same that would be paid to a financial advisor managing stocks. If you’re still considering the FG Guarantee Platinum 7. 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”. Basically, it has an option that tracks 4 different equity indexes and after a year is complete it “looks back” at the four and allocates your money retroactively toward the index that performs the best. If you’re still considering the Safe Haven 5 annuity from Atlantic Coast Life Insurance. This is because the contract will provide the. Annuity Gator. Despite the current volatility in the. With this annuity, you can garner a number of nice benefits, including: The Milestone MYGA 5 offers a guaranteed fixed rate of interest for five years – regardless of what happens in the market. 35% respectively. 20% for a single Life or 2. For additional flexibility, this product also offers three different crediting methods, four index options, and a fixed. This annuity requires a minimum initial purchase payment of $25,000 with minimum subsequent premium payments of at least $1,000. 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. Learn More About Me. If you don’t have access to a 401 (k), you can still build wealth like a millionaire if you utilize best financial practices. | We simplify the way annuities are. As an example, if your participation rate is 80%, and the underlying index returns 5% for the period, then your annuity would be credited with 4% (5% x 80% = 4%). 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. Where it works best: For producing a reliable, “pension-like” guaranteed income stream. 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. Dynamic Balanced Index II May 2016 – April 2017. We look forward to hearing from you. send a question. M. We can help you with the following three areas: 1). The Annuity Gator’s End Take on the Kansas City Life GrowthTrack Flexible Deferred Fixed Annuity Where this annuity works best: While it admittedly has a few flaws, the GrowthTrack Flexible Deferred Fixed Annuity from Kansas City Life Insurance Company could still be a viable option for those who are seeking the following benefits:Throughout the years, the company has merged and grown into a large insurance and annuity marketplace that now generates in excess of $250 million in new premiums each year, and (as of year-end 2018), held more than $530 million in total assets. 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. 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. If you want to learn modern approaches to protect and grow your retirement savings and ensure that you never outlive your money — you have come to the right place!”. I specialize in helping Americans financially prepare for retirement with the proper use of annuities. It’s our firm belief that when. 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. The Annuity Gator’s End Take on the American Classic Annuity from American Life Where it works best: This particular annuity will usually work the best for those who are looking for: Guaranteed lifetime income Safety of principal Slow and steady tax-deferred growth An interest rate guarantee for a set period of timeLearn More About Me. We also offer in-depth details and reviews on hundreds of annuities in our annuity review database. 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 minimum fee for this feature is . 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. When the market experiences an upward trend, the returns inside the annuity increase. 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. 40%. Despite the current volatility in the. Despite the current volatility in the. 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. 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. Annuity Gator sent 3 emails to confirm my phone appointment, but when the time came, their agent totally forgot about it. Annuity Gator customer service is available. However, the fine points and pitfalls of the annuity suggested were not fully explained. The Annuity Gator’s End Take on the Prudential HDLI v3. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. By delving into the good, the bad, and yes, sometimes even the ugly — you’ll find everything you need to know for determining whether or not a particular annuity may (or may not) be right for you. Best and a Long-Term Issuer Credit Rating of bbb+. Where it works best: This annuity will generally work the best for those who are looking for: Safety of principal Slow but steady growth. Fixed index annuities offer their holders a set amount of interest that is credited on an annual basis. For instance, this annuity has ten years of back-end surrender charges. The Annuity Gator’s End Take on the Pacific Life Pacific Index Edge Fixed Indexed Annuity Where it works best: Although this annuity may not be the ideal option for everyone, it could be a good alternative if you are seeking the following features: The opportunity for higher growth than that of a regular fixed annuity productThe AccumuLock Indexed Annuity from Farm Bureau is no different. Plus, if you take withdrawals from the annuity before you turn age 59 1/2, you could also incur an additional 10% early withdrawal penalty from the IRS. Best (as of June 2018) and an A- (Strong) from Standard & Poor’s. 5 billion in assets, and had nearly $13 billion of total life insurance in force. In the case of the Polaris Platinum III, the rate is a generous 6% guaranteed annually. Based in Boston, this large financial services company holds (as of September 30, 2017) roughly $6. Nobody likes that. Annuities are a unique. This annuity offers an initial rate guarantee of four years that begins on the issue date of the annuity contract. 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. Learning about how annuities work is essential for determining whether or not a. With more than $9. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. That’s where having an Annuity Investigator who loves math comes in. We can be reached by phone at (888) 440-2468 and via email by going to our secure online contact form. 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. Annuity gator has educating videos and… Annuity gator has educating videos and articles for you to make decisions with out trying to sell you products, I was paired up with a wonderful money manager to talk with and go over several different plans for my wife and myself. 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. 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. The company is considered to be strong and stable financially, and because of that it has earned an A- (Excellent) rating from A. 2 billion in equity. Annuity Gator, Cortaro, Arizona. With a retirement annuity, you can grow your savings on a tax-deferred basis. With that in mind, some of the key advantages to purchasing through Canvas Annuity could be: Convenience (the entire transaction can take place online) Low or no fees Welcome to Annuity Gator, your online portal to the most comprehensive, unbiased reviews of annuity products today. At Annuity Gator, our mission is to educate consumers about how annuities work, and how they can provide you with the worry-free retirement you deserve. An amount is automatically withdrawn from your portfolio annually, usually 4 percent, and this amount is increased every year for inflation. 0 Where it works the best: You may want to consider the Prudential HDLI v3. The Annuity Gator’s End Take on Canvas Annuity At Annuity Gator, we feel that annuities are good financial options – provided that they are purchased for the right reasons. S&P 500 Performance. schedule your web demo. Overall, given the low return that the Allianz 222 annuity has produced of. My name is Mark Shelby, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. So in this scenario, you would actually be guaranteed a rate of 4. We look forward to helping you create your retirement savings and income strategy. Learn More About Me. Despite the current volatility in the market and the low. Identify the long-term impact of your annuity fees (on your annual returns, initial deposit, and income). 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. 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. 2. ) By paying this fee, your money will grow or step-up in a separate account. Annuities are a highly unique. That’s where Annuity Gator comes in! At Annuity Gator, our primary mission is on educating consumers – as well as financial advisors – on how annuities work, and whether or not one may be the right choice. As with most other annuities, the Indexed Annuity II from Protective will also charge a surrender fee if you withdraw more than 10% of the annuity’s contract value within the surrender period. 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 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. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. 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%. Annuity Gator exclusively works with a select group of vetted, independent advisors that specialize in delivering sound retirement planning strategies and unbiased annuity. 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. 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. (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). If you’re still considering the Navigator Elite MVA annuity from. As a source of guaranteed income delivered by a reputable company. Headquartered in Newport Beach, California, Pacific Life. 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 End Take on the Athene Ascent 10 Bonus 2. For example, on a $100,000 portfolio, the. There are also fees involved if you choose the Lifetime Income Benefit and Wellbeing Rider options. Learn More About Me. And, if you choose the lifetime income option, this. 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. Here you’ll find truthful, clean and understandable information regarding annuities. 00%. 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. But the tradeoff here is these riders oftentimes require an added expense. Downside protection. Annuity Gator connects its customers to a wide range of annuity providers. At Annuity Gator, we specialize in educating consumers – and financial advisors – on how to secure streams of reliable, ongoing income in retirement, which can alleviate the concern about running out of money when you need it the most. Opening Thoughts on the Fidelity Personal Retirement Annuity Fidelity is a fairly well-known name in the financial arena. Multi-year Guaranteed Annuities (MYGAs) are a type of fixed annuity that provide a set interest rate for a certain period of time (typically anywhere from three to ten years). 55%. When the underlying index performs well, a. How Do Annuities Work; What is a Retirement Annuity? What is Annuity Income? Annuity Types. 4,789 likes · 144 talking about this. 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. Where it works best: For producing a reliable, “pension-like” guaranteed income stream. 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. As of year-end 2018, American Equity. 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. (888) 440-2468. 21% and 1. This annuity is actually considered a registered index-linked annuity, or RILA, which offers 100% principal protection against market decline. 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. The Annuity Gator’s End Take on the Thrivent Secure Retirement Builder FIA Annuity Given the many benefits associated with the Thrivent Secure Retirement Builder fixed indexed annuity, it could be a viable option if you are seeking the following features: Opportunity for growthAll of this adds up to the Annuity Gator commitment that you’ll get peace of mind knowing how much you need to comfortably retire and — which annuities can provide you the highest guaranteed benefits. Annuity Gator is a trusted source of independent and transparent annuity guidance and recommendations. The Annuity Gator’s End Take on the TIAA-CREF Intelligent Variable Annuity. These updates include funds that have been merged into the annuity that was not previously available. (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). As a source of guaranteed income delivered by a reliable company. Annuity Gator helps people research and compare annuities with free information and advice from licensed professionals. hondo55 . (The company also earned a #2 ranking by Wink for overall carrier, and a #10 ranking for MYGA annuities – in the independent. The Annuity Gator’s End Take on the American Legend III Fixed Indexed Annuity from Great American 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 retirementThe Annuity Gator’s End Take on the New York Life Guaranteed Future Income ll DIA Where this annuity may work best: The New York Life Guaranteed Future Income ll Deferred Income Annuity may be a good option for you if you: Anticipate a long lifespan; Will need retirement income in the extended future;Hidden costs and fund participation rate variances explained by Annuity Gator. As of year-end 2018, American Equity. Annuity Gator. Annuities are a unique product in that. I would like to thank Annuity Gator for their honesty, professionalism, and great expertise. 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 is particularly the case with indexed annuity products like the Allianz 222, as they tend to have a lot of “moving parts”. It is rated highly by the insurer rating agencies, with an A- (Excellent) from A. 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. This annuity is available to applicants who are up to age 85, and the annuity allows a minimum premium of $5,000 and a maximum of $500,000. 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. After researching a 60 and 115% fund index rates I noticed that after the initial period of 12 to 24. 35%. Use the form on our website and one of the AnnuityGator. The smart way to get honest annuity guidance. 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. Share Tweet Pin it Share. If you’re still considering the Farm Bureau Select IV New Money 4. 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. My name is Matthew Taub. 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. 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. 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. So, in order to find the one that may be best for you, it is recommended that you discuss all of your potential options with an annuity specialist. So, the range of total annual portfolio operating expenses – including investment advisory fees, 12b1 fees, and other expenses as a percentage of the average portfolio assets – can range between . 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. The Annuity Gator’s End Take on the Security Benefit ClearLine 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 regular fixed annuity Safety of principal Lifetime incomeHow USAA Describes the EGA Annuity. Learn More About Me. I help clients all over the country find ways to. And, because of the in-depth reviews that we provide, we have become a highly. So, if you are still considering the. According to the Allianz Life 360 Annuity brochure, a surrender charge may also be assessed to you if you begin your income stream prior to the sixth contract year in which you have the annuity. 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. We can help you with the following three areas: 1). Fixed annuities like the Secure Legacy MYGA product offer a great deal of certainty, even in an uncertain financial world. The Annuity Gator’s End Take on the SecureOption 3 Annuity from Minnesota Life/Securian Financial Group 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 Ultra-Premier 7 Annuity from United of Omaha Where it works best: While this particular annuity may not be ideal for everyone, it could be a nice option if you are seeking the following features: Guaranteed growth for a set period of time (in this case, for 7 full years)Annuity Gator is made up of a team of annuity and retirement income planning experts. 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. Annuity Gator – Ryan Smith Bio. Annual withdrawals of 3. At Annuity Gator, we can help you to narrow down which annuity is right for you – if. According to EMC National Life’s website, the Single Premium Immediate Annuity (SPIA) is designed to provide a guaranteed, steady income immediately after purchase. These begin in Year 1 at 9%, and they gradually grade down to . Feel free to contact us directly by phone at (888) 440-2468 and chat with one of our annuity specialists. In addition, there is an annual service charge of $35, up to a maximum of $50. . The Jackson National Perspective II variable annuity has had its ups and downs throughout the years. My name is Matthew Taub. This annuity is designed to provide the potential for growth, without the risks that are associated with investing in the stock market. 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. Adam Grubius LICENSED ANNUITY ADVISOR. For producing an income for life that cannot be outlived by a surviving spouse. We have been doing this very well for quite a while now – far longer than our competitors have – even though there are now a number of “copycat” websites that are popping. 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. [/desktoponly] Where it works best: This particular annuity will usually work the best for those who are looking for: Safety of principal. 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. The Annuity Gator’s End Take on the New York Life Guaranteed Period Income Annuity ll Where this annuity works best: For those who need income for a set period of time (such as to ensure that income will continue after retiring, but before starting Social Security benefits)So, if you’d like to learn more, please feel free to contact us directly and schedule a time to chat with an Annuity Gator retirement income specialist. With that in mind, having an income plan in place before it is actually needed is highly recommended. I specialize in helping Americans financially prepare for retirement with the proper use of annuities. Annuity Gator employs a team of experts who thoroughly research and analyze various annuity products available in the market. 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. 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 contract also offers a 2% interest bonus in the first contract year and a 1% interest bonus in the second. The Axiom II annuity product also charges an annual mortality and expense fee (M&E) of 1. 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. With this annuity, there is an annual insurance charge of 0. My name is Scott Batchelar. Best, and an A- (Strong) from Standard & Poor’s. 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 retirement The 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. 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 Protective Smart Saver 4 annuity is described as a limited flexible premium deferred fixed annuity. 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. My name is Joshua Schlinsky I specialize in helping Americans financially prepare for retirement with the proper use of annuities. Jackson National Life Insurance Company has been in operation since 1961. The Balanced Choice Annuity Elevate (BCA Elevate) is a Fixed Indexed Annuity (FIA) that offers racy indexing options for investors who are looking to park their income money where it can earn more secure returns. As of year-end 2018, The State Life Insurance Company held roughly $8. 50% in Year 10, until they reach 0% in Year 11 and thereafter. 6%, with an account value of $110,000, which gives you an annual income for life of $5,160. A Fixed Index Annuity (FIA) is a simple contract between you and an insurance company, but it’s often called a hybrid annuity. 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. For investors who have a family history of life longevity. For investors who have an amount of money they want to pass on to their family while avoiding the expense of probate. The Annuity Gator’s End Take on the Jackson National Perspective L Series Variable Annuity Where it works best: When considering the Jackson National Perspective L Series annuity, it can typically work best when an investor wants to be invested for market growth – and wants the ability to diversify – and still wants the opportunity for. My name is Brian Greco. 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. This means that the interest rate you choose will be guaranteed until the end of the initial guaranteed option period. So, if you would like to set up a time to talk with an Annuity Gator retirement income expert, feel free to contact us by phone at (888) 440-2468 or via email, through our secure online contact form. At Annuity Gator, we are a team of experienced financial experts who are dedicated to helping you decode the complicated world of annuities. 00%. Annuity Gator helps people research and compare annuities with free information and advice from licensed professionals. For investors who have a family history of life longevity. Annuity Gator Has Helped Countless Clients All Around The Country Purchase An Annuity.