You can reach us by phone at (888) 440-2468, or you can send us an email via our secure online contact form. These updates include funds that have been merged into the annuity that was not previously available. That being said, there are still some ways to determine whether or not to. My name is Ryan Smith, and I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. The Annuity Gators End-Take on the Transamerica Variable Annuity Series C-Share. [/desktoponly] Where it works best: This particular annuity will usually work the best for those who are looking for: Safety of principal. 20% for a single Life or 2. As of year-end 2018, American Equity. 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 specialize in helping Americans financially prepare for retirement with the proper use of annuities. For instance, this annuity has ten years of back-end surrender charges. In addition, there is an annual service charge of $35, up to a maximum of $50. With this annuity, there is an annual insurance charge of 0. 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. 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. Annuity Gator provides in-depth education about annuities to consumers and financial professionals, making these complex financial vehicles much easier to understand. 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. If you’re still considering the Farm Bureau Select IV New Money 4. I think Mr. 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. You will also find that as of late June 2019, the company had closed out 136 complaints over the past. For instance, the Better Business Bureau has given Athene an overall grade of C-. 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!”. But that’s not all. 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. Sources Retirement Uses for Your Health Savings Account (HSA). 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. Independent Review of the Voya Life Guarantee Choice Fixed Deferred Annuity . For investors who have a family history of life longevity. 5 trillion in total customer assets, and services approximately 26 million individual customers for which it transacts more than 1/2 million. S&P 500 Performance. We have been doing this for quite a few years now – far longer than our competitors. At Annuity Gator, our mission is to educate consumers on all things annuity. 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. 35%. My name is Zach Poitra. Our team of experienced financial professionals is dedicated to doing the work of investigating the terms, fees, and costs of annuity investments being sold today and then explaining these complicated investments in a. The Annuity Gator’s End Take on the Atlantic Coast Life Retirement Plus Multiplier 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; A long-term commitment to the. 1 Sep 25, 2022 Date of experience: September 22, 2022 Joan Lunebach 4 US Apr 12, 2023 Verified Pleasant and super efficient . Your choice of interest rate guarantee periods. My name is Mark Shelby, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. 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. The Annuity Gator’s End Take on the Fidelity & Guaranty FG Guarantee Platinum 7 MYGA Annuity Where this annuity works best: Just like all products and services, there can be some pros and cons, meaning that. 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. 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. have an annuity question? Our Advisors. With an indexed annuity, the return is based in large part on an underlying market index, such as the S&P 500. 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. If you’re still considering the Fidelity FG Guarantee. Despite the current volatility in the market and the low. These contributions are tax-deductible and they grow tax-deferred. American Equity Investment Life offers a variety of annuities, including: Fixed Fixed Index Immediate Traditional fixed annuities can help you to. It’s our firm belief that when. 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. Opening Thoughts on the Fidelity Personal Retirement Annuity Fidelity is a fairly well-known name in the financial arena. 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. 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. 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. When the market experiences an upward trend, the returns inside the annuity increase. (888) 440-2468. 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. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. There are also fees involved if you choose the Lifetime Income Benefit and Wellbeing Rider options. 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. 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 who are looking for the opportunity to attain market-related growth. 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. 75% to 6%, depending on your age and the income option. We look forward to assisting you. Compare the annuity’s performance against. The Annuity Gator’s End Take on the American Pathway SolutionsMYG Annuity from AIG / American General Where it works the best: This annuity could be a good option for those who are seeking the following: A fixed rate of interest over time; Safety of principal, regardless of what happens in the market;The Annuity Gator’s End Take on the Midland National Life LiveWell Fixed Index Annuity Where it works the best: This annuity could be a good option for you if you are: Looking for a set amount of guaranteed income in retirement; Seeking protection of premium against losses due to market downturns and fluctuations;The Annuity Gator’s End Take on the Midland National Life MNL Endeavor Fixed Indexed Annuity Where it works the best: The Midland National Life MNL Endeavor 8 fixed indexed annuity may be a viable financial option for you if you are looking for the following features: Protection of your principal; Potential for higher growthThe Annuity Gator’s End Take on the Bankers Life & Casualty Premium Bonus IA Annuity Where it works the best: This annuity could be a good option for you if you are: Looking for a set amount of guaranteed income in retirement; Seeking protection of premium against losses due to market downturns and fluctuations;My name is Marcus Brutoco. That’s where the Annuity Gator comes in. The Solutions MYG6 annuity is described as a multi-year guarantee annuity (MYGA) that provides a guaranteed interest rate period of six years. 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. The Annuity Gator’s End Take on the Guarantee Income Life Insurance Company’s FlexPlus 5 Deferred Annuity Where this annuity works best: While this annuity may not be right for everyone, it could be a good alternative for those who are seeking the following benefits: Guaranteed growth; Protection of principal; Lifetime income in retirementGet free annuity feedback and guidance instantly without having to talk to a high-pressure sales agent. Use the form on our website and one of the AnnuityGator. 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. (Then, following the initial guaranteed option period, renewal interest rates. | We simplify the way annuities are. 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. Competitive interest rates. 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. 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 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. At Annuity Gator, we take the frustration out of shopping for annuities. There are some other key features to consider with 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. My name is Terry Ciotti, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. ”. With a retirement annuity, you can grow your savings on a tax-deferred basis. On the USAA website, the Extended Guarantee Annuity is described as a deferred fixed annuity product where you can put in a lump sum of money and earn a guaranteed interest rate for a certain period of time. Annuity Gator has 5 stars! Check out what 358 people have written so far, and share your own experience. We can be reached by phone at (888) 440-2468 , or by sending us an. 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. TIP: Only one kind of annuity invests in mutual funds: the variable annuity. I specialize in helping my clients financially prepare for retirement with the proper use of annuities. If you don’t have access to a 401 (k), you can still build wealth like a millionaire if you utilize best financial practices. The Annuity Gator’s End Take on the Northwestern Mutual Select Platinum Annuity Where it works best: There are several areas where this annuity could work well, such as for those who are seeking: Protection of principal – regardless of what occurs in the market A set interest rate for a guaranteed period of timeOur experts place a key focus on retirement income and related needs. Learn More About Me. 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. Here you’ll find resources to help you retire with confidence. send a question. This is particularly the case with indexed annuity products like the Allianz 222, as they tend to have a lot of “moving parts”. M. 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 Upstream Life Secure Foundation Annuity Where this annuity could work best: Principal protection for a pre-set period of time – no matter what takes place in the stock market; Guaranteed lifetime income stream; Guaranteed interest rate protection (also for a specific period of time) The Annuity Gator’s End Take on the American Equity Guarantee 5 Multi-Year Guarantee Annuity Where this American Equity 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. Feel free to contact us any time to ask a question or set up a time to chat with an annuity specialist. 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 Annuity Gator’s End Take on the Mass Mutual RetireEase Choice QLAC Where it works best: Although the Mass Mutual RetireEase QLAC may not be right for everyone, this product could be a good option for those who: Are anticipating a long life; Require an income source later in life; Want to ensure that a spouse has guaranteed income later in. Annuity Gator is a trusted source of independent and transparent annuity guidance and recommendations. 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. ) By paying this fee, your money will grow or step-up in a separate account. The Annuity Gator’s End Take on the Great West Smart Track Advisor Variable Annuity Where it works best: The Smart Track Advisor Variable Annuity from Great West Financial can be a viable option for those who: Are seeking the opportunity for a higher rate of return; Have a higher risk tolerance, and can better endure the ups and downs of the. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. 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. This annuity allows you to turn a lump sum of money into a steady income stream right way. Fixed index annuities are a type of fixed annuity. 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’ve also been providing these. 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. 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. 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. 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. M. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. But the tradeoff here is these riders oftentimes require an added expense. This annuity requires a minimum initial purchase payment of $25,000 with minimum subsequent premium payments of at least $1,000. 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. These begin in Year 1 at 9%, and they gradually grade down to . This quiz takes about 30 seconds to fill out and will help you identify which type of annuity may be right for you. 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. As with other annuities, you can “annuitize,” (convert over to an income stream) the 6-year Protected Advantage annuity and. 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. 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. We can help you with the following three areas: 1). The opportunity for additional, index-linked. 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. I specialize in helping my clients financially prepare for retirement with the proper use of annuities. 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. Annuities can be complex. 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. 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. 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. However, the fine points and pitfalls of the annuity suggested were not fully explained. In this case, while longer terms will typically offer higher rates of return, shorter terms can help with managing market fluctuations better. 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. 60% a year, and the maximum annual fee for the life of the contract is 2. We launched our educational blog to provide objective and helpful information to help you financially prepare for retirement. 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. For instance, this annuity can provide you with a personal pension-like income. 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. 0 Where it works the best: You may want to consider the Prudential HDLI v3. We want you to be able to determine for yourself whether or not the annuity that is being discussed truly makes sense for your specific goals and needs. We are a team of annuity and retirement income experts, and we can help you to compare your options and narrow down which – if any – annuity is right for you. 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. We look forward to hearing from you. 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. If you’re still considering the Farm Bureau Select IV New Money 4. 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. Independent annuity professionals provide honest advice, better products and personalized products for your situation. In addition, based on the Wink Sales Rankings, Equitable’s Secure Savings 5 annuity was #1. 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. My name is Brian Greco. That’s why we work with consumers to help them better understand how annuities work, and how certain annuities may or may not be right for particular goals and needs. 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 Global Atlantic ForeIncome 1 Fixed Index Annuity Where it works best: The bottom line on the Global Atlantic ForeIncome Option 1 fixed indexed annuity is that this annuity may work the best for people who are looking for the following features:If you have $500,000 invested in an annuity, for example, then a 10 percent surrender charge would set you back by $50,000. The company’s mission is to dispense honest guidance,. Annuity Gator is a website that helps you compare and choose annuities from different providers. I help clients all over the country find ways to. For producing an income for life that cannot be outlived by a surviving spouse. Opening Thoughts on the Nationwide Trio Select Plus 1 Year Annuity. Annuity Gator connects its customers to a wide range of annuity providers. If you don’t have access to a 401 (k), you can still build wealth like a millionaire if you utilize best financial practices. Fixed index annuities offer their holders a set amount of interest that is credited on an annual basis. For producing an income for life that cannot be outlived by a surviving spouse. 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. 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. Feel free to contact us directly by phone at (888) 440-2468 and chat with one of our annuity specialists. And, because of the in-depth reviews that we provide, we have become a highly. If you want to learn modern approaches to protect and grow your retirement savings and ensure that. The Annuity Gator’s End Take on the American Equity Bonus Gold Fixed Indexed Annuity Where it works the best: This annuity may work the best for those who are looking for: Safety of principal; The opportunity for index-linked growth; Guaranteed lifetime income in. With more than $9. Headquartered in Newport Beach, California, Pacific Life. Annuity Gator employs a team of experts who thoroughly research and analyze various annuity products available in the market. Annuity Gator is an annuity marketplace, allowing customers to compare to annuities to find the best option. 2 Living Benefit Rider is only available with Transamerica variable annuities – so if you own an annuity that is fixed or fixed indexed and/or if the annuity was purchased through a different insurance company, then this. This has led some to complain publicly. The Annuity Gator’s End Take on the Transamerica Income Edge 1. 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 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. Beware of these annuity websites. The Annuity Expert is an independent online insurance agency servicing consumers across the United States. Barclays U. 11:13 AM, 29 January 2019 . 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. Again no pressure to buy anything. My name is Robert ”Bob” Gardner. With the Elite Access Advisory annuity from Jackson National, you will run into a number of charges, which in turn can have a negative impact on your overall return. The Annuity Gator’s End Take on the Prudential Premier Retirement B HDI v3. My name is Mike Kalisch, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. 5%. These fees include an annual contract maintenance. The money in this annuity – as with other types of deferred annuities – grows on a tax-deferred basis. What's the biggest question that you have about annuities? *. 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. 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. 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. Our primary focus is on helping consumers and financial advisors to better understand how these products work, and where annuities may or may not fit in the overall planning process. 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. Any time you are considering a high-dollar financial decision, it is best to get advice that is as objective as possible from a knowledgeable source. The company states that annuities are generally best for investors between ages 50-75 with at least $100,000 in retirement savings. Hi Diane – I wanted to follow up with you again and let you know that we have completed our review of the ForeAccumulation ll annuity. Guaranteed income throughout retirement. 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. At Annuity Gator, our mission is to help people understand how retirement income works, and how it can alleviate the concern about running out of money in the future. As a source of guaranteed income delivered by a. The Annuity Gator’s End Take on the Fidelity & Guaranty FG Guarantee Platinum 7 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. 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. product was identified and. 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. 0 is a 6-year annuity that offers investors several different time periods to choose from in terms of generating potential return and protection. (There are several other rate guarantee periods also available on the Solutions MYG annuities). The contract also offers a 2% interest bonus in the first contract year and a 1% interest bonus in the second. An accumulation vehicle for someone who needs access to their money. The broker openly acknowledges that annuities aren’t for everyone. The Annuity Gator’s End Take on the New York Life Annuity: Guaranteed Lifetime Income Where this annuity works best: Although an immediate annuity may not be the ideal solution for everyone’s needs, this product could be a good option for you if you are seeking the following key benefits:My name is Kyle Morgan. Each annuity review is written with the goal of publishing the most complete, unbiased annuity reviews available on the World Wide Web today. (This annuity has a 7-year surrender charge period). These indexes serve as benchmarks for market growth and determine the annuity’s returns during the contract term or term length. In many ways, buffer annuities are structured like regular fixed indexed annuities, except in the case of a buffer annuity, your principal is not. M. Plus, if you withdraw funds from the annuity when you are under. Annuity Gator is a trusted source of independent and transparent annuity guidance and recommendations. 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. 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 Mike Kalisch, I specialize in helping Americans financially prepare for retirement with 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. After researching a 60 and 115% fund index rates I noticed that after the initial period of 12 to 24. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. In reality, the only way to know if this annuity is a good fit for your specific situation is to have it tested. Indexed Annuity; Deferred Annuity; Fixed Annuity; Variable Annuity; Annuity Reviews. Annuity Gator customer service is available. ”. Protection from loss in a down market. . 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 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 feesWelcome to Annuity Gator, your online portal to the most comprehensive, unbiased reviews of annuity products today. 12:36 PM, 16 June 2017 . 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. 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. My name is Donna Lee. My name is William Seeley. 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. So, feel free to reach out to us by phone at (888) 440-2468 or via email by going to. At Annuity Gator, we can help you to narrow down which annuity is right for you – if. Best, and an A- (Strong) from Standard & Poor’s. This annuity guarantees that these income payments will last for a specified period of time, or even for the remainder. 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. The Annuity Gator’s End Take on the American National Palladium Century 1 Annuity. Annuity Gator – Ryan Smith Bio. Nobody likes that. 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. 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. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates. As of year-end 2018, The State Life Insurance Company held roughly $8. In the case of the Polaris Platinum III, the rate is a generous 6% guaranteed annually. I requested money from my Athene Annuity to repair an extremely damaged roof. We can help you with the following three areas: 1). In fact, within a relatively short time for an insurer. The Annuity Gator’s End Take on the Lincoln Life OptiBlend 5 Fixed Index Annuity Where it works best: This particular annuity will usually work the best for those who are looking for: Safety of principal The opportunity for index-linked growth Guaranteed lifetime income in. Welcome to the Annuity Gator database. At Annuity Gator, we are 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 Pacific Life Pacific Index Foundation Fixed Index Annuity Where it works best: The Pacific Index Foundation fixed indexed annuity could be a viable choice for you if you are seeking the following: Protection of your principal; The potential for higher growth than with a regular fixed annuity or CDThe Annuity Gator’s End Take on the Midland National Dynamic Choice 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 income in the futureThe Annuity Gator’s End Take on the Sentinel Security Life Guaranteed Income Annuity 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 growth over time; Where it works the worst: This annuity may not be an ideal fit if you: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 Upstream Life Secure Foundation Annuity Where this annuity could work best: Principal protection for a pre-set period of time – no matter what takes place in the stock market; Guaranteed lifetime income stream; Guaranteed interest rate protection (also for a specific period of time)The Annuity Gator’s End Take on the American Equity Guarantee 5 Multi-Year Guarantee Annuity Where this American Equity 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 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. It is rated highly by the insurer rating agencies, with an A- (Excellent) from A. (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). 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. As of mid-2020, Security Benefit Life held more than $41 billion in consolidated assets under management, and statutory revenue of nearly $5 billion. 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. Fisher is spot on in sharing the importance of keeping costs low. 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. Learn More About Me. For investors who have a high tolerance for risk. This annuity tracks the S&P 500 index. Likewise, there is also a fee to add the optional guaranteed minimum death benefit. 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). Adam Grubius LICENSED ANNUITY ADVISOR. Despite the current volatility in the. 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. As of year-end 2018, American Equity. My name is Jason Siebert. For additional flexibility, this product also offers three different crediting methods, four index options, and a fixed. This means that regardless of future economic conditions. 5 billion in assets, and had nearly $13 billion of total life insurance in force. Date of experience: February 09, 2021The Annuity Gator’s End Take on the Prudential PruSecure 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. 50% in Year 10, until they reach 0% in Year 11 and thereafter. | 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. Annual withdrawals of 3. Given this, it is important to consider any annuity a long term financial endeavor. Despite the current volatility in the market and the low. Annuities are a unique. Despite the current volatility in the. Where it works best: This annuity will generally work the best for those who are looking for: Safety of principal Slow but steady growth. The Annuity Gator’s End Take on the Prudential HDLI v3. I specialize in helping Americans financially prepare for retirement with the proper use of annuities. Rather, it will simply be credit with 0% for that period. 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 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. Annuities are not usually associated with the best way for that. The Annuity Gator’s End Take on the Protective Life Insurance Company’s Income Creator Annuity. Annuities are a highly unique. My name is Scott Batchelar. 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. Initial contact was expedient. As a source of guaranteed income delivered by a reliable company. This annuity is designed to provide the potential for growth, without the risks that are associated with investing in the stock market. 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. 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. This company is known for its strong balance sheet, as well as good, solid capitalization levels and significant earnings base. 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 is 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 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. We look forward to helping you create your retirement savings and income strategy. 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%). Despite the current volatility in the. At year-end, United Heritage Life Insurance held nearly $627 million in assets and nearly $71 million in capital and surplus. We can also help you to narrow down the annuity (or annuities) that could work for your particular retirement and other financial objectives. 2 Living Benefit Rider The Transamerica Income Edge 1. This includes comparing different annuities side-by-side – and we. 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. The Annuity Gator’s End Take on the Nationwide Life Nationwide Summit AnnuityThe Annuity Gator’s End Take on the Great American AssuranceSelect 7 Plus Annuity Where it works the best: Although this fixed indexed annuity offers many nice benefits, it will typically work the best for those. 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 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. 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. So, at that time (fall 2021), there is no track record on which to base its performance. The Annuity Gator’s End Take on the TIAA-CREF Intelligent Variable Annuity. 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. The minimum rate of return on the Horace Mann Capital Bonus 2 annuity is 1%. There is a wide array of riders that could be added, depending on the annuity, such as guaranteed income or a return of premium. Downside protection. 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. 21% and 1. I filled out all the paper work, contacted my financial advisor, contacted Athene by phone and waited. 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 . That’s where having an Annuity Investigator who loves math comes in. Throughout the years, this insurer has grown and expanded, both in terms of client base and assets under management. Where it works best: For investors who have a longer time frame. 35% respectively. As of mid-year 2019, Athene held nearly $133 billion in total assets, with more than $113 billion in invested assets, and over $1 billion in excess capital. This annuity offers an initial rate guarantee of four years that begins on the issue date of the annuity contract. 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 company offers more than. 6%, with an account value of $110,000, which gives you an annual income for life of $5,160. 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, if you are still considering the. 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. For investors who have a family history of life longevity. The Annuity Gator’s End Take on the Prudential Premier Retirement B HDI v3. The opportunity for additional, index-linked. 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. This is because the contract will provide the. 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 . These begin in Year 1 at 9%, and they gradually grade down to . 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. 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. 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: A place to grow money tax deferred for someone already taking advantage of the maximum IRA and 401(k) amounts. We also offer in-depth details and reviews on hundreds of annuities in our annuity review database. 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. 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. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. 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. We. My name is Robert ”Bob” Gardner. 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. 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. In the case of the Polaris Platinum III, the rate is a generous 6% guaranteed annually. The Annuity Gator’s End Take on the Prudential HDLI v3. The Capital Bonus 2 Fixed Annuity is described by Horace Mann as a fixed product that offers non-guaranteed interest bonuses in the first two contract years. Annuity Gator helps people research and compare annuities with free information and advice from licensed professionals. With more than 58% of United Heritage’s overall. Learn More About Me. Annual withdrawals of 3. 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. He answered every question and never pushed for a sale. Initially, he listened to understand my needs, wants, and fears. Annuity Gator exclusively works with a select group of vetted, independent advisors that specialize in delivering sound retirement planning strategies and unbiased annuity recommendations. 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. 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). 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. 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%. The Annuity Gator’s End Take on the Lincoln American Legacy Variable Annuity Where it works best: When considering the Lincoln American Legacy annuity, it can often work best in situations where an investor wants to be invested in the market, but yet is concerned with taking on too much risk.