Share Tweet Pin it Share. Annuities can be complex. Upstream Life is headquartered in Dallas, Texas. This company is known for its strong balance sheet, as well as good, solid capitalization levels and significant earnings base. When you initially purchase an annuity, funds may be contributed in a number of ways, depending on whether the annuity is immediate or deferred. Annuity Gator is comprised of a team of experienced financial experts who are dedicated to helping you decode the complicated world of annuities. 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. Annual withdrawals of 3. 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. 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. com team members will personally. At Annuity Gator, our mission is to educate consumers (as well as financial advisors) about how these financial vehicles work, and how they can provide you with a steady and reliable income source. You can reach us by phone at (888) 440-2468, or you can send us an email via our secure online contact form. The Annuity Gator’s End Take on the Guggenheim Highlander Fixed Indexed Annuity: Where it works best: This particular annuity will usually work the best for those who are looking for: The opportunity to obtain a higher rate of growth than that of a regular fixed annuity; Safety of principal; Lifetime income – with income guaranteeThe Annuity Gator’s End Take on the MassMutual RetireEase Immediate Fixed Income Annuity Where it works the best: While immediate annuities are definitely not the ideal solution for everyone’s needs, this product could fare well for you if you are seeking: A reliable income stream right away (or one that starts within 12 months after purchasing. 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. How to get guaranteed increasing income for the rest of your life. My name is William Seeley. 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. 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. My name is Scott Batchelar. 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. 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. The opportunity for index-linked growth. Terry Heys President, CEO of Annuity Gator. 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. That’s where having an Annuity Investigator who loves math comes in. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. 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. 75% to 6%, depending on your age and the income option. At Annuity Gator we work for you, the investor, so our advice comes to you unbiased. With a retirement annuity, you can grow your savings on a tax-deferred basis. 20% for a single Life or 2. Competitive interest rates. 50% in Year 10, until they reach 0% in Year 11 and thereafter. 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. 21% and 1. Guaranteed lifetime income stream. 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. I help clients all over the country find ways to generate more retirement income while securely protecting their money during these turbulent times. The Annuity Gator’s End Take on the AXA Structured Capital Strategies Variable Annuity Where it works best: When considering the AXA Structured Capital Strategies annuity, it can often work best in scenarios where an investor wants to be invested in the market, but yet is concerned with taking on too much market risk. However, the fine points and pitfalls of the annuity suggested were not fully explained. M. Learn More About Me. Ouch. Annuity Gator. Despite the current volatility in the. 0 Where it works the best: You may want to consider the Prudential HDLI v3. A bonus of between 5% and 7% that can offer you growth – even in a down or flat market year. 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; Safety of principal The Annuity Gator Podcast “Our podcast features ideas, tips and tricks to help you achieve your dream retirement. Barclays U. 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 Jackson National Life Action Fixed Annuity. Feel free to contact us any time to ask a question or set up a time to chat with an annuity specialist. Fisher is spot on in sharing the importance of keeping costs low. Many indexed annuities will actually allow you to track multiple indexes from a list of options. The Annuity Gator’s End Take on the Symetra Select 5 Multi-Year Guaranteed 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. 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 Athene Agility 10 Annuity Where it works the best: The Athene Agility 10 Year Fixed Indexed annuity could work for you if you are looking for: Safety of your principal – regardless of what occurs in the market; The opportunity for index-linked growth;The Annuity Gator’s End Take On The Prudential Variable Annuity. 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. 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 TIAA-CREF Intelligent Variable Annuity. The Annuity Gator’s End Take on the Eagle Life Select 10 Fixed Indexed Annuity Where it works the best: This particular annuity will usually work the best for those who are looking for: The opportunity to obtain a higher rate of growth as versus a regular fixed annuity; Safety of principal; Guaranteed lifetime income We also created an online annuity quiz that over 10,000 people have taken. 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. My name is Mark Shelby, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. 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. The Axiom II annuity product also charges an annual mortality and expense fee (M&E) of 1. 6%, with an account value of $110,000, which gives you an annual income for life of $5,160. Here, this annuity charges additional fund platform fees that can range from . 85% and 0. Guaranteed income throughout retirement. In the case of the Polaris Platinum III, the rate is a generous 6% guaranteed annually. Where it works best: For investors who have a longer time frame. 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. Here you’ll find truthful, clean and understandable information regarding annuities. 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. Identify the long-term impact of your annuity fees (on your annual returns, initial deposit, and income). Once the rate guarantee period has elapsed, the annuity owner will usually have the option to re-invest for another pre-determined period of time (at a new rate of interest). The 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. Our primary mission at Annuity Gator is on educating consumers about whether or not annuities may be a good fit for retirement planning – and if so, which annuity may be best. 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 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. 70% for joint life (both you and your spouse. 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. Although these fees can be steep, they are roughly the same that would be paid to a financial advisor managing stocks. 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. 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. We Investigate Annuities So You Don’t Have To. 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. We can be reached via phone, toll-free, at: (888) 440-2468 , or you can send us a message through our secure online contact form to schedule a time to chat with one of our retirement income. He took the time to educate me on the alternatives available in the field of annuities. The Annuity Gator’s End Take on the Allianz 222 Annuity with Protected Income Value (PIV): Where it works best: For producing a reliable, “pension-like” guaranteed income stream / lifetime withdrawals (although there are other annuities with higher guaranteed income at this time) Annuity Gator pledges only to recommend annuities that are the right fit for your retirement funding and circumstances. Where it works best: For producing a reliable, “pension-like” guaranteed income stream. Overall fixed index annuity sales. 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 money in this annuity – as with other types of deferred annuities – grows on a tax-deferred basis. Your broker or plan administrator can set this up for you. Best (as of June 2018) and an A- (Strong) from Standard & Poor’s. This is particularly the case with indexed annuity products like the Allianz 222, as they tend to have a lot of “moving parts”. Where it works best: This annuity will generally work the best for those who are looking for: Safety of principal Slow but steady growth. com team members will personally. 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. I specialize in helping my clients financially prepare for retirement with the proper use of annuities. 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. The Annuity Gator’s End Take on the American National Strategy Index Annuity Plus 10 Where it works the best: This particular annuity will generally work the best if you are looking for: The opportunity to obtain a higher rate. 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. If you don’t have access to a 401 (k), you can still build wealth like a millionaire if you utilize best financial practices. 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. As of year-end 2018, American Equity. My name is Mark Newman. For investors who have a family history of life longevity. 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. 75%. Protection from loss in a down market. The Annuity Gator’s End Take on the Prudential Premier Retirement B HDI v3. This is applied as a percentage of the daily net assets of the variable sub-accounts. We look forward to assisting you. My name is Robert ”Bob” Gardner. 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. 12:36 PM, 16 June 2017 . This seemingly endless stream of annuity “fine print” can often times lead to the complaints that are received about annuities – because customers will. Annuity Gator has 5 stars! Check out what 358 people have written so far, and share your own experience. 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. 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. send a question. 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 opportunity for additional, index-linked. Annual withdrawals of 3. M. Annuities are a unique product in that. schedule your web demo. 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. I specialize in helping my clients financially prepare for retirement with the proper use of annuities. The Annuity Gator’s End Take on the Transamerica Income Edge 1. Despite the current volatility in the market and the low interest. Fixed index annuities are a type of fixed annuity. 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. 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. 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. The Annuity Gator’s End Take on the Global Atlantic Income 150+ 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 guaranteeHere at Annuity Gator, we are a team of experienced financial pros who are intent on offering the most comprehensive and unbiased annuity reviews. 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. An amount is automatically withdrawn from your portfolio annually, usually 4 percent, and this amount is increased every year for inflation. Indexed Annuity; Deferred Annuity; Fixed Annuity; Variable Annuity; Annuity Reviews. 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. This, and other updated information, can also be obtained by reading page 164 of the prospectus, or by. The surrender charges on the Allianz Life 360 Annuity run for ten years – which is actually quite a long time, even in the annuity arena. 70% for joint life (both you and your spouse. 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 the Market Index annuity from Puritan Life, you make just one single lump-sum premium payment. When the market experiences an upward trend, the returns inside the annuity increase. 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 company’s mission is to dispense honest guidance,. 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. 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. Just reach out to us by calling our annuity hotline at 888-440-2468 or fill out this confidential. Annuity Gator helps people research and compare annuities with free information and advice from licensed professionals. 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 Jackson National Perspective II variable annuity has had its ups and downs throughout the years. Annuity Gator helps people research and compare annuities with free information and advice from licensed professionals. We can be reached by phone at (888) 440-2468 and via email by going to our secure online contact form. Annuity Gator is a team of experienced financial experts who are dedicated to helping you decode the complicated world of annuities. 60% a year, and the maximum annual fee for the life of the contract is 2. The Annuity Gator’s End Take on the Athene Ascent 10 Bonus 2. 35%. The Annuity Gator’s End Take on the Athene Income Select Bonus 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; Safety of principal; A long-term commitment to the product;How the Solutions MYG 6 Annuity is Described. 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. Income that can keep pace with inflation and market growth. 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. The Annuity Gator’s End Take on the Index Advantage Annuity from Allianz Life Where it works the best: For accumulating funds, without the risk of a catastrophic loss to the contract value For adding money to a tax-advantaged account – especially if other options such as an IRA and/or employer-sponsored retirement plan has been maxed out. So, if you would like more details, feel free to set up a time to chat with an Annuity Gator retirement income expert. 8 350 total 83% 5% 2% 2-star 2% 1. In addition, based on the Wink Sales Rankings, Equitable’s Secure Savings 5 annuity was #1. The Annuity Gator’s End Take on the Athene Agility 10 Annuity Where it works the best: The Athene Agility 10 Year Fixed Indexed annuity could work for you if you are looking for: Safety of your principal – regardless of what occurs in the market; The opportunity for index-linked growth; Guaranteed lifetime income in retirement The Annuity Gator’s End Take On The Prudential Variable Annuity. 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. I would like to thank Annuity Gator for their honesty, professionalism, and great expertise. Balanced safety and growth. Annuity Gator provided the contact with Joshua, and I am glad they did. For instance, this annuity can provide you with a personal pension-like income. My name is Barbara Halperin, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. This is particularly the case with indexed annuity products like the Allianz 222, as they tend to have a lot of “moving parts”. He answered every question and never pushed for a sale. Annuity Gator provides in-depth education about annuities to consumers and financial professionals, making these complex financial vehicles much easier to understand. For investors who have a family history of life longevity. How EMC National Life Describes the Single Premium Annuity. The company offers more than 100 in-depth company reviews, a free online quiz, and free consultations with no obligation. This is because the contract will provide the. 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. 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. Independent annuity professionals provide honest. Learn More About Me. 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 . 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”. 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. 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%). 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. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. Calculate all of the annuity fees (some annuities have obscure fees). At Annuity Gator, our focus is on educating consumers and financial advisors on how annuities work, and how they can be incorporated into a tax-advantaged savings and a retirement income plan. Annuity Gator. But the tradeoff here is these riders oftentimes require an added expense. 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. 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. 35% respectively. This includes comparing different annuities side-by-side – and we. As of mid-2020, Security Benefit Life held more than $41 billion in consolidated assets under management, and statutory revenue of nearly $5 billion. At year-end, United Heritage Life Insurance held nearly $627 million in assets and nearly $71 million in capital and surplus. The Annuity Gator’s End Take on the American National Palladium Century 1 Annuity. 25%. Feel free to contact us directly by phone at (888) 440-2468 and chat with one of our annuity specialists. 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. My name is Zach Poitra. S. 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. Read 6 reviews from customers who rated Annuity Gator 1. 4 billion in operating revenues and operating income in excess of $774 million,. 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. 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. If you’re still considering the Farm Bureau Select IV New Money 4. 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. Sources Retirement Uses for Your Health Savings Account (HSA). In fact, within a relatively short time for an insurer. 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. 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. The Annuity Expert is an independent online insurance agency servicing consumers across the United States. So in this scenario, you would actually be guaranteed a rate of 4. 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 Global Atlantic ForeAccumulation ll Fixed Indexed Annuity. Annuities are a highly unique. 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. American Equity Investment Life offers a variety of annuities, including: Fixed Fixed Index Immediate Traditional fixed annuities can help you to. 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. 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 . 00%. Guaranteed lifetime income in retirement. 10% to . Best, and an A- (Strong) from Standard & Poor’s. So, if you would like to get a better. The Annuity Gator’s End Take on the Guardian Secure Future Income Deferred Income Annuity Where it works the best: This annuity could be a good option for those who: Anticipate a long life; Will need retirement income in the extended future; Are seeking a guaranteed income;The Polaris annuity also has a surrender charge for the first seven years. 00%. 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. 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. This is the place to go if you are looking for comprehensive and up-to-date information on the kinds of annuities sold to investors today. Despite the current volatility in the market and the low. Headquartered in Newport Beach, California, Pacific Life. 0 Where it works the best: You may want to consider the Prudential HDLI v3. 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. As a source of guaranteed income delivered by a reputable company. Compare the annuity’s performance against. 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. 1. 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. 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. 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 Allianz Master Dex 10 Fixed Indexed Annuity Where it works best: This annuity may work the best if you are looking for: Safety of your principal – regardless of what occurs in the market; The opportunity for index-linked growth; Guaranteed lifetime income in retirementAt Annuity Gator, we focus on educating consumers (and financial professionals) on how annuities work, and where certain types of annuities might fit into an overall retirement plan. ) By paying this fee, your money will grow or step-up in a separate account. 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 Annuity Gator Blog: Annuities. As with other annuities, you can “annuitize,” (convert over to an income stream) the 6-year Protected Advantage annuity and. They use a combination of. 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. Nobody likes that. ) By paying this fee, your money will grow or step-up in a separate account. Best, The Annuity Gator P. At the 15 year mark, you would have received a total of $77,000, and at the 20-year mark, you would have received just over $103,000. For producing an income for life that cannot be outlived by a surviving spouse. Annuity Gator Annuity Gator Reviews 350 • Excellent 4. Use the form on our website and one of the AnnuityGator. 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). Welcome to the Annuity Gator database. 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. In many ways, buffer annuities are structured like regular fixed indexed annuities, except in the case of a buffer annuity, your principal is not. 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 incomeIndexed annuities are a special type of insurance and income-producing financial vehicle. With more than $9. 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. ”. Based in Boston, this large financial services company holds (as of September 30, 2017) roughly $6. The Annuity Gator’s End Take on the Prudential Premier Retirement B HDI v3. The insurance company that offers the annuity that you select will then compensate us for helping you find the right annuity. 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. The Annuity Gator’s End Take on the Jackson National Life BonusMAX Two Annuity Where it works best: The Jackson National BonusMAX Two annuity may work the best for those who are looking for the following: Safety of principal; Guaranteed lifetime income; Guaranteed rate protection – at least for a short period of time after purchasing the. These begin in Year 1 at 9%, and they gradually grade down to . As of year-end 2018, The State Life Insurance Company held roughly $8. The Annuity Gator’s End Take on the Lincoln Financial MYGuarantee Plus Deferred Fixed Annuity Where it works the best: If you want to lock into a set interest rate (for a set period of time) If you want to ensure that your principal is safe; If. 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 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. 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. 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. 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. A bonus of between 5% and 7% that can offer you growth – even in a down or flat market year. Hi Ken – Thank you for your comment. Annuity Gator Has Helped Countless Clients All Around The Country Purchase An Annuity. The Annuity Gator’s End Take on the Prudential HDLI v3. | 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. 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. Annuity Gator is a trusted source of independent and transparent annuity guidance and recommendations. For instance, this annuity has ten years of back-end surrender charges. Rather, it will simply be credit with 0% for that period. If you’re still considering the Safe Haven 5 annuity from Atlantic Coast Life Insurance. OneAmerica/The State Life Insurance Company describes the Annuity Care ll as a guaranteed interest rate annuity that is combined with the protective elements for end of life care. Learn More About Me. So let’s get started! When going online to get annuity education and information, what you’ll find is that most of the websites are run by annuity agents. 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. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. As an example, the Jackson National Perspective II variable annuity prospectus includes updates that were included as of April 24, 2017. The company’s assets under management were in excess of $77 billion, with 2018 revenue of $2. Hagin . 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. 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. 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 prides itself on allowing consumers to search for the best products, provide users with in-depth reviews on annuities products and ultimately helps. 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. If you would like to learn more about which annuity – if any – could fit in with your financial objectives, just give Annuity Gator a call and talk with an annuity specialist. Watch Our Client CASE STUDY Video: See How We Helped One Couple Retire 5 Years Early, With A Complete Retirement Strategy (Make sure your sound is turned on, also please wait up to 10 seconds for the video to load)Here at Annuity Gator, we provide you with annuity reviews that are thorough and independent – so we are objective about the information that we offer. An accumulation vehicle for someone who needs access to their money. At Annuity Gator, we are a team of experienced financial experts who are dedicated to helping you decode the complicated world of annuities. Annuities Explained. 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. 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. 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. These fees include an annual contract maintenance. 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. In reality, the only way to know if this annuity is a good fit for your specific situation is to have it tested. The Annuity Gator’s End Take on the Security Benefit Secure Income Fixed Indexed Annuity Where it works the best: This annuity could work for you if you are looking for: Safety of your principal – regardless of what occurs in the market; The opportunity for index-linked growth; Guaranteed lifetime income in retirement Annuity Gator is an annuity marketplace, allowing customers to compare to annuities to find the best option. The Annuity Gator’s End Take on the 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. Annuity Gator Terry Heys, CEO of Annuity Gator This is where text would go about annuities and explaining the video telling people why annuities are the way to. Given this, it is important to consider any annuity a long term financial endeavor. The Annuity Gator’s End Take on the American Equity Bonus Gold Annuity Review Where it works best: For producing a reliable, “pension-like” guaranteed income stream (although there are other annuities with higher guaranteed income at this time) For producing an income for life that cannot be outlived by a surviving spouse Annuity details can be somewhat cumbersome to digest. My name is Mike Kalisch, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. The company is highly rated through the insurer ratings agencies, which includes a (n): A- from A. If you have been seeking more information about annuities online, you have. 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. For producing an income for life that cannot be outlived by a surviving spouse. 2 Living Benefit Rider The Transamerica Income Edge 1. 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. 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. For investors who have a high tolerance for risk. 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. We look forward to helping you create your retirement savings and income strategy. The company specializes in annuities, as well as mutual funds, retirement plans, and life insurance coverage. So, feel free to reach out to us by phone at (888) 440-2468 or via email by going to. Despite the current volatility in the. Where the New Heights 10 annuity works the best: Although this fixed indexed annuity offers many nice benefits, it will typically work the best for those who are seeking the following attributes: Safety of principal. The product literature for the Reliance Standard Life Apollo MVA annuity describes this product as being “a smart choice for safety conscious individuals seeking financial security. In many ways, buffer annuities are structured like regular fixed indexed annuities, except in the case of a buffer annuity, your principal is not. 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. 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. 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. And, this money doesn’t necessarily have to be your hard-earned retirement savings. 5:38 PM, 19 February 2019 . M. 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. My name is Ryan McNeill. 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. 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. 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. 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.