Dec 25, 2024
In this episode, The Annuity Man discussed:
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Annuities are DIY products
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Focusing on contractual guarantees
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What annuities solve for
Key Takeaways:
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Annuities are do-it-yourself products that allow self-management without advisor fees. Annuities provide contractual guarantees, and shopping for carriers...
Dec 18, 2024
In this episode, The Annuity Man discussed:
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How lifetime income is priced
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Don’t time annuity purchases
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Laddering annuities
Key Takeaways:
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Lifetime income annuities are primarily based on your life expectancy. Interest rates play a secondary role in the pricing.
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Higher interest rates will positively...
Dec 11, 2024
In this episode, The Annuity Man discussed:
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What a MYGA and SPIA is
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MYGA to SPIA Strategy
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Flexibility and Control
Key Takeaways:
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MYGA is the annuity industry's version of a CD, offering locked-in, non-callable interest rates annually. SPIA is the original lifetime income annuity, with a long history...
Dec 4, 2024
In this episode, The Annuity Man discussed:
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What annuities are for
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Establishing an income floor
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How to actually adjust for inflating needs
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Securing an income stream through annuities
Key Takeaways:
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Annuities provide contractual guarantees for principal protection, lifetime income, legacy,...
Nov 27, 2024
In this episode, The Annuity Man discussed:
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An overview of Deferred Income Annuities
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Finding the best fit
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Income Riders attached to Indexed Annuities
Key Takeaways:
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DIAs are essentially single premium immediate annuities deferred past one year. It has no moving parts, no annual fees, and no market...