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Fixed Index Annuity Allows Market Participation With Safety | The Fixed Annuities

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The Fixed Annuities - Your Fixed Income Annuity Guide. Fixed Index Annuity Allows Market Participation With Safety. A complaint that many fixed annuity. Fixed index annuities were a way for the insurance companies to provide a fixed annuity product and allow for a degree of market participation at the same time. They found that many investors wanted the safety of fixed and the upward market participation of the variable. There are any number of different combinations of these crediting options that you s...

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Lifetime Annuity Clarification And Explanation | The Fixed Annuities

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The Fixed Annuities - Your Fixed Income Annuity Guide. Lifetime Annuity Clarification And Explanation. One of the more interesting types of annuities on the market is the lifetime annuity. Although this type of contract is actually quite common, it is frequently misunderstood. The ambiguity comes from the imprecision of the term. The "lifetime" can mean a number of different things in regard to the functionality of the contract. Adding a life income guarantee on a fixed annuity. The Fixed Annuity Guide U...

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What is an Annuity Cap? | The Fixed Annuities

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The Fixed Annuities - Your Fixed Income Annuity Guide. What is an Annuity Cap? Similar to a participation rate. A Cap is a way for the annuity company to skim off some of the bonus growth that an annuity acquires. The most common place you will see a Cap in a fixed annuity is with equity-indexed fixed annuities. Get your free annuity report. To learn which annuity is right for you. All reports are customized to you and provide comparisons on brand name. The Fixed Annuity Guide Understand Annuities. The D...

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What are the Different Types of Fixed Income Annuities? | The Fixed Annuities

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The Fixed Annuities - Your Fixed Income Annuity Guide. What are the Different Types of Fixed Income Annuities? This is annuity contract in which the recurring payments are made for a definite period of time and are not dependent upon the lifespan of an individual. Cash Refund Annuities -. This is a type of refund that pays the annuitant's defined beneficiary the difference, if any, of the purchase price of the annuity and the sum of the payouts to the deceased annuitant. Joint and Survivor Annuity. Simil...

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Monthly Averaging Interest Crediting Option | The Fixed Annuities

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The Fixed Annuities - Your Fixed Income Annuity Guide. Monthly Averaging Interest Crediting Option. Different equity index annuity accounts will credit the interest accrued by the index differently. One common method of determining the interest rate is monthly averaging. Monthly averaging smoothes the volatility of market interest rates, leveling out the upward and downward movements of the market. Account will be lowered by such a market movement. Get your free annuity report. What is an Annuity Cap?

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Structured Settlement Info | The Fixed Annuities

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The Fixed Annuities - Your Fixed Income Annuity Guide. Certified Structured Settlement Consultant (CSSC). Most people are familiar with a number of different financial designations common among financial advisors. The Certified Financial Planner (CFP), Chartered Financial Consultant (ChFC), Chartered Life Underwriter (CLU), and others represent advanced training and knowledge in the financial planning field. As structured settlements are much less common than other financial topics, few are famil...Fixed...

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What Does the Participation Rate Mean? | The Fixed Annuities

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The Fixed Annuities - Your Fixed Income Annuity Guide. What Does the Participation Rate Mean? Consider an annual point-to-point strategy on an equity-indexed annuity. This strategy compares the S&P 500 value at the beginning of the year and the end of the year. If the market increases 10% over this period, a 65% participation rate would credit the annuitant 6.5%. Remember to discuss participation rates with your financial planner before purchasing a contract. Not all annuities are created equal.

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Accumulation Period vs. Liquidation Period | The Fixed Annuities

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The Fixed Annuities - Your Fixed Income Annuity Guide. Accumulation Period vs. Liquidation Period. Another key term that you should be familiar with when exploring fixed annuities is the accumulation and liquidation periods of the annuity. The concepts are quite simple and don't need extensive explanation. Get your free annuity report. To learn which annuity is right for you. All reports are customized to you and provide comparisons on brand name. The Fixed Annuity Guide Understand Annuities. Monthly Ave...

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The Equity Index Annuity Guide | The Fixed Annuities

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The Fixed Annuities - Your Fixed Income Annuity Guide. The Equity Index Annuity Guide. The Equity Index Annuity. EIA) or Fixed Index Annuity. Most of the fixed index annuity contracts provide the investor with a guaranteed minimum interest rate. In years that the market increases, the fixed index annuity. Grows with the growth of the index. During down years, the guaranteed minimum interest rate kicks in. This allows the contract owner to protect their principal from market fluctuations. When selecting y...

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Advantages of the Fixed Annuity | The Fixed Annuities

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The Fixed Annuities - Your Fixed Income Annuity Guide. Advantages of the Fixed Annuity. Let's take a look at some of the advantages of fixed annuities. In no particular order:. 1 Tax deferred growth. One definate advantage the fixed income annuity has over cds is tax-deferred growth. Your investment is allowed to accumulate tax-free until distributions begin. Unlike some of the other insurance products, the distributions from a fixed annuity are not tax-exempt. 2 Protection of principal. 6 Annuity income...