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Archive for January 2021

Immediate Annuities Explained

There are two overarching types of annuities, immediate and deferred. Within deferred there are 3 types, variable, fixed, and fixed indexed. I’m not going to get caught up in all the different names that people have for them. I’m just going to use names that are primarily acknowledged by the Insurance Commissioner of each state.…

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Indexed Annuities Explained

Let’s jump into indexed annuities, and explain how they work, just as I would explain it to a client.  The indexed annuity started around 1995 and was the answer between the fixed annuity and the variable annuity. People say, “I don’t like a fixed annuity because my interest rate is too low. I don’t like…

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