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. At year-end, United Heritage Life Insurance held nearly $627 million in assets and nearly $71 million in capital and surplus. 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). As of year-end 2018, American Equity. So in this scenario, you would actually be guaranteed a rate of 4. We look forward to hearing from you. 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. ”. The amount of this charge will depend on the interest rate guarantee that is chosen – either a 5-year, 7-year, or 10-year. Annuity Gator is comprised of a team of experienced financial experts who are dedicated to helping you decode the complicated world of annuities. 50% in Year 10, until they reach 0% in Year 11 and thereafter. 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. My name is Scott Batchelar. 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. Feel free to contact us directly by phone at (888) 440-2468 and chat with one of our annuity specialists. These fees include an annual contract maintenance. In fact, within a relatively short time for an insurer. This seemingly endless stream of annuity. 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. The annual charges for these are 0. The company’s assets under management were in excess of $77 billion, with 2018 revenue of $2. In addition, there is an annual service charge of $35, up to a maximum of $50. These begin in Year 1 at 9%, and they gradually grade down to . How Do Annuities Work; What is a Retirement Annuity? What is Annuity Income? Annuity Types. 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. 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. 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. 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. That being said, there are still some ways to determine whether or not to. In many ways, buffer annuities are structured like regular fixed indexed annuities, except in the case of a buffer annuity, your principal is not. Fixed index annuities offer their holders a set amount of interest that is credited on an annual basis. Here you’ll find truthful, clean and understandable information regarding annuities. 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. M. As with other annuities, you can “annuitize,” (convert over to an income stream) the 6-year Protected Advantage annuity and. (There are several other rate guarantee periods also available on the Solutions MYG annuities). Annuity Gator specializes in helping Americans financially prepare for retirement with the proper use of annuities and income planning strategies. 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. This is applied as a percentage of the daily net assets of the variable sub-accounts. In the case of the Polaris Platinum III, the rate is a generous 6% guaranteed annually. We have been doing this for quite a few years now – far longer than our competitors. Annuity Basics. Guaranteed income throughout retirement. 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. If you’re still considering the Navigator Elite MVA annuity from. So, feel free to reach out to us by phone at (888) 440-2468 or via email by going to. Annuity Gator exclusively works with a select group of vetted, independent advisors that specialize in delivering sound retirement planning strategies and unbiased annuity recommendations. So, if you would like more details, feel free to set up a time to chat with an Annuity Gator retirement income expert. 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. M. In this case, while longer terms will typically offer higher rates of return, shorter terms can help with managing market fluctuations better. 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. The Annuity Gator’s End Take on the New York Life Premier Variable Annuity ll Where the annuity works best: As a variable annuity, the Premier Variable Annuity ll from New York Life could be a viable option for those who: Want the opportunity for high, market-related returns Are seeking a lifetime incomeAXA describes the Structured Capital Strategies Plus annuity as a tax-deferred financial product that provides the opportunity for upside potential, as well as downside protection. Annuity Gator is a trusted source of independent and transparent annuity guidance and recommendations. Use the form on our website and one of the AnnuityGator. 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. Rather, it will simply be credit with 0% for that period. 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 Jackson National Perspective II variable annuity has had its ups and downs throughout the years. 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. 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. So, a fixed index. These contributions are tax-deductible and they grow tax-deferred. The Annuity Gator’s End Take on the Nationwide New Heights 9 Fixed Indexed Annuity Where it works the best: The Nationwide New Heights 9 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 growth; A lifetime stream of guaranteed incomeThe Annuity Gator’s End Take on the Knights of Columbus Flexible Premium Annuity Where it works best: This annuity will typically work the best for those who are looking for: Safety of principal; Guaranteed lifetime income; Where it works the worst: This particular annuity may not be an ideal fit for you if you:The Annuity Gator’s End Take on the Northwestern Mutual Flexible Payment Variable Annuity – Account C Where this annuity works the best: For those who are looking for the opportunity to attain market-related growth; For those who are seeking lifetime income; For those who are seeking a way to diversify their assetsThe Annuity Gator’s End Take on the Delaware Life Target Income 10 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 – in any market conditionsThe Annuity Gator’s End Take on the Income Outlook Plus 5 Rider Where it works best: In the case of the Income Outlook Plus 5, it could be beneficial for those who: Plan to hold their annuity in the accumulation period for a longer period. 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. Guaranteed lifetime income in retirement. 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. 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. 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 . 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. 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”. How to get guaranteed increasing income for the rest of your life. 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. 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. The Annuity Gator Blog: Annuities. My name is William Seeley. Compare the annuity’s performance against. Learn More About Me. If you don’t have access to a 401 (k), you can still build wealth like a millionaire if you utilize best financial practices. 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. Independent Review of the Voya Life Guarantee Choice Fixed Deferred Annuity . 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 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. 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 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. The minimum rate of return on the Horace Mann Capital Bonus 2 annuity is 1%. 2. 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. As a source of guaranteed income delivered by a. This quiz takes about 30 seconds to fill out and will help you identify which type of annuity may be right for you. I would like to thank Annuity Gator for their honesty, professionalism, and great expertise. For investors who have a family history of life longevity. Annual withdrawals of 3. 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. 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. . At Annuity Gator, we are a team of experienced annuity specialists who focus on offering very in-depth – and unbiased – reviews on fixed, indexed, and variable annuity products. Balanced safety and growth. This is particularly the case with indexed annuity products like the Allianz 222, as they tend to have a lot of “moving parts”. Your broker or plan administrator can set this up for you. Annuity Gator is a team of experienced financial experts who are dedicated to helping you decode the complicated world of annuities. The Annuity Gators End-Take on the Transamerica Variable Annuity Series C-Share. If you would like to see what is possible for you in terms of generating retirement income, based on your intended retirement age, feel free to contact the specialists at Annuity Gator by calling (888) 440-2468 or by. 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. With more than $9. 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. I filled out all the paper work, contacted my financial advisor, contacted Athene by phone and waited. The F&G Dynamic Accumulator annuity is actually an offshoot of the basic fixed indexed annuity. 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. This annuity allows you to turn a lump sum of money into a steady income stream right way. What's the biggest question that you have about annuities? *. 0 Where it works the best: You may want to consider the Prudential HDLI v3. Despite the current volatility in the market and the low. Learn More About Me. We also offer in-depth details and reviews on hundreds of annuities in our annuity review database. The Annuity Gator’s End Take on the American National Palladium Century 1 Annuity. For investors who have a high tolerance for risk. Founded in the late 1800s as an insurance company, The Principal has grown and expanded exponentially over the years. My name is Ryan Smith, and I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. 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. 60% a year, and the maximum annual fee for the life of the contract is 2. 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. The Annuity Gator’s End Take on the Athene Ascent 10 Bonus 2. Annuities are not usually associated with the best way for that. The NWL Global Lookback is a Fixed Index Annuity very different than anything I’ve seen on the market. My name is Joshua Schlinsky I specialize in helping Americans financially prepare for retirement with the proper use of annuities. Annuity details can be somewhat cumbersome to digest. This annuity offers an initial rate guarantee of four years that begins on the issue date of the annuity contract. 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. As a source of guaranteed income delivered by a reputable company. 6%, with an account value of $110,000, which gives you an annual income for life of $5,160. 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. Where it works best: For investors who have a longer time frame. That is because the Allianz MasterDex X annuity, even with the Simple Income Rider, will not likely produce much more than a 5% return overall. Read 6 reviews from customers who rated Annuity Gator 1. Penn Mutual Insurance Company describes the Premier annuity as a type of retirement plan that includes the following benefits: Strong retirement savings growth potential. Headquartered in Newport Beach, California, Pacific Life. The Annuity Gator’s End Take on the Jefferson National Monument Advisor Annuity Product Where this annuity works best:Jackson National describes the RateProtector annuity as a multi-year fixed annuity that offers 3-, 5-, or 7-year interest rate guarantee options. 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. With a retirement annuity, you can grow your savings on a tax-deferred basis. The Annuity Gator’s End Take on the Great American Index Protector 7 Fixed Index Annuity Where it works the best: Even with all of its enticing features, the Index Protector 7 annuity may or may not be right to everyone. This single premium fixed deferred annuity can provide long-term asset growth, with protection from care costs built directly into the annuity. 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. The company specializes in annuities, as well as mutual funds, retirement plans, and life insurance coverage. For producing an income for life that cannot be outlived by a surviving spouse. 55%. Throughout the years, this insurer has grown and expanded, both in terms of client base and assets under management. These indexes serve as benchmarks for market growth and determine the annuity’s returns during the contract term or term length. At Annuity Gator, we can help you to narrow down which annuity is right for you – if. We have compiled the current annuity rates from top-rated insurance carriers that provide income now, income later, or are designed to securely grow your. These begin in Year 1 at 9%, and they gradually grade down to . The opportunity for additional, index-linked. Annuity Gator sent 3 emails to confirm my phone appointment, but when the time came, their agent totally forgot about it. 4 Comments . In the case of the LiveWell 10-Year Fixed Index Annuity from Sammons, you will find that if you choose to add the optional guaranteed lifetime withdrawal benefit, there is an additional fee involved. This is particularly the case with indexed annuity products like the Allianz 222, as they tend to have a lot of “moving parts”. We can help you with the following three areas: 1). In the case of the Polaris Platinum III, the rate is a generous 6% guaranteed annually. 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. Annuity Gator is a website that helps you compare and choose annuities from different providers. 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. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. If you’re still considering the Safe Haven 5 annuity from Atlantic Coast Life Insurance. 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. The insurance company that offers the annuity that you select will then compensate us for helping you find the right annuity. He. Here, this annuity charges additional fund platform fees that can range from . 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 AXA Investment Edge Variable Annuity Where it works best: When considering the AXA Investment Edge annuity, it can oftentimes work the best in situations where an investor has already “maxed out” his or her employer-sponsored retirement plan and/or IRA accounts and still wants the ability to invest in. Therefore, if you would like more information on SPIAs and/or you would like us to review an annuity that you already own, please feel free to contact us directly by. Annuity Gator connects its customers to a wide range of annuity providers. 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 . Share Tweet Pin it Share. If you’re still considering the FG Guarantee Platinum 7. 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. Annuities are a unique product in that. I help clients all over the country find ways to generate more retirement income while securely protecting their money during these turbulent times. As of year-end 2018, The State Life Insurance Company held roughly $8. 5 trillion in total customer assets, and services approximately 26 million individual customers for which it transacts more than 1/2 million. At Annuity Gator we work for you, the investor, so our advice comes to you unbiased. 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. Best, and an A- (Strong) from Standard & Poor’s. Many indexed annuities will actually allow you to track multiple indexes from a list of options. Despite the current volatility in the. Initially, he listened to understand my needs, wants, and fears. Consultations with the company are free. Annuities are a highly unique. 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. With our proprietary Annuity Software we can: Back-test the annuity against 50 years of previous stock market history. 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. 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. And, this money doesn’t necessarily have to be your hard-earned retirement savings. Annuity Gator customer service is available. 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 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. But, if you are leaning towards the Fidelity Investment Life Insurance Company Personal Retirement Variable Annuity, then it could be a viable option for you if you are. 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. We look forward to helping you protect the ones you love with your own unique legacy. 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. Annuity gator has educating videos and… Annuity gator has educating videos and articles for you to make decisions with out trying to sell you products, I was paired up with a wonderful money manager to talk with and go over several different plans for my wife and myself. Learning about how annuities work is essential for determining whether or not a. We have been at this for a number of years now, and quite a bit longer than any of our competitors out there – and because of that, we’ve become a known and trusted source of annuity information. 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. 2 billion in equity. 5% will also come with an annual rider fee of 0. I help clients all over the country find ways to. 35% respectively. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. My name is Mark Shelby, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. My name is William Seeley. As of year-end 2018, American Equity. 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. For instance, this annuity can provide you with a personal pension-like income. 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. 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. com team members will personally. 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. Annuity Gator Has Helped Countless Clients All Around The Country Purchase An Annuity. Annuity Gator provided the contact with Joshua, and I am glad they did. Sources Retirement Uses for Your Health Savings Account (HSA). Where it works best: For producing a reliable, “pension-like” guaranteed income stream. At Annuity Gator, we take the frustration out of shopping for annuities. 6%, with an account value of $110,000, which gives you an annual income for life of $5,160. 0 out of 5. Hagin . Learn More About Me. But the tradeoff here is these riders oftentimes require an added expense. Learn More About Me. With the Market Index annuity from Puritan Life, you make just one single lump-sum premium payment. All of this adds up to the Annuity Gator commitment that you’ll get peace of mind knowing how much you need to comfortably retire and — which annuities can provide you the highest guaranteed benefits. With an indexed annuity, the return is based in large part on an underlying market index, such as the S&P 500. 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 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. You will also find that as of late June 2019, the company had closed out 136 complaints over the past. 75% to 6%, depending on your age and the income. 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. Better to lock in a guaranteed lifetime income. 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. The Axiom II annuity product also charges an annual mortality and expense fee (M&E) of 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. These updates include funds that have been merged into the annuity that was not previously available. The Annuity Gator’s End Take on the MassMutual Stable Voyage Deferred Annuity Where it works the best: The MassMutual Stable Voyage Fixed Deferred Annuity, while not for everyone, could be a good option if you. We can help you with the following three areas: 1). Independent annuity professionals provide honest advice, better products and personalized products for your situation. Although these fees can be steep, they are roughly the same that would be paid to a financial advisor managing stocks. Barclays U. 20% for a single Life or 2. These contributions are tax-deductible and they grow tax-deferred. I specialize in helping Americans financially prepare for retirement with the proper use of annuities. The minimum fee for this feature is . 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. 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 all over the. 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. 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. Despite the current volatility in the market and the low. The Annuity Gator’s End Take on the Atlantic Coast Life Safe Haven 5 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. How EMC National Life Describes the Single Premium Annuity. The Annuity Gator’s End Take on the Prudential Premier Retirement B HDI v3. 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 MaxRate Multi-Year Guarantee Annuity Where this annuity works best: While the Athene MaxRate Multi-Year Guarantee annuity may not be right for everyone, it could be a good option for those who are seeking the following benefits: Guaranteed growth (at least for the first seven years) Protection of. 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 Where it works the best: You may want to consider the Prudential HDLI v3. Despite the current volatility in the market and the low interest. David was extremely helpful from start to finish. I specialize in helping my clients financially prepare for retirement with the proper use of annuities. 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. The growth component of a Protected Growth Annuity is tied directly to market indexes like NASDAQ, DOW, and S&P 500. We look forward to helping you create your retirement savings and income strategy. The Annuity Gator’s End Take on the Protective Life Insurance Company’s Income Creator Annuity. How to get guaranteed increasing income for the rest of your life. My name is Matthew Taub. M. Terry Heys President, CEO of Annuity Gator. I specialize in helping Americans financially prepare for retirement with the proper use of annuities. 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. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. The company offers more than 100 in-depth company reviews, a free online quiz, and free consultations with no obligation. 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. 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. So, if you are still considering the. My name is Mike Kalisch, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. 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. hondo55 . For years, we’ve made the annuity comparison process easy and understandable – which in turn, can make the annuity buying process much less. ”. 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. 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. Initial contact was expedient. Opening Thoughts on the Nationwide Trio Select Plus 1 Year Annuity. We offer this testing for free at Annuity Gator. 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. The Annuity Gator’s End Take on the Transamerica Vanguard Variable Annuity Where this annuity works the best: For those who are looking for market-related growth; For those who are seeking lifetime income; For those who are seeking a way to diversify their assets; Where this annuity works the worst: For those who have a low-risk toleranceAnnuity Gator. You can reach us by phone at (888) 440-2468, or you can send us an email via our secure online contact form. At Annuity Gator, our mission is to educate consumers on all things annuity. This annuity is designed to provide the potential for growth, without the risks that are associated with investing in the stock market. Welcome to the Annuity Gator database. An accumulation vehicle for someone who needs access to their money. We met several times by phone and Zoom meetings, and he walked. If you want to learn modern approaches to protect and grow your retirement savings and ensure that. 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). 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. (This annuity has a 7-year surrender charge period). The Annuity Gator’s Take on the American Equity Foundation Gold Annuity Where it works best:At Annuity Gator, we make up a team of experienced financial and annuity professionals who focus on providing in-depth, and unbiased, annuity reviews on the Internet. American Equity Investment Life offers a variety of annuities, including: Fixed Fixed Index Immediate Traditional fixed annuities can help you to. The Annuity Gator’s End Take on the Prudential HDLI v3. The Annuity Gator’s End Take on the Midland National MNL IndexBuilder 10 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. 0 is a 6-year annuity that offers investors several different time periods to choose from in terms of generating potential return and protection. Calculate all of the annuity fees (some annuities have obscure fees). 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. 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. 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. 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. Annuity Gator employs a team of experts who thoroughly research and analyze various annuity products available in the market. Learn More About Me. 25%. My name is Zach Poitra. For instance, this annuity has ten years of back-end surrender charges. 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. Annuities are a unique. Athene USA serves customers in all 50 of the United States. And, if you choose the lifetime income option, this. 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. The Annuity Gator’s End Take on the Prudential HDLI v3. The Protective Smart Saver 4 annuity is described as a limited flexible premium deferred fixed annuity. Annuity Gator. We Investigate Annuities So You Don’t Have To. 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. The Annuity Gator. Based in Boston, this large financial services company holds (as of September 30, 2017) roughly $6. 1. As with other variable annuity products, there are also additional charges, based on the underlying investments that are selected. Annuity Gator exclusively works with a select group of vetted, independent advisors that specialize in delivering sound retirement planning strategies and unbiased annuity. 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. 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. He took the time to educate me on the alternatives available in the field of annuities. What's the biggest question that you have about annuities? *. 8 350 total 83% 5% 2% 2-star 2% 1. 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. My name is Mark Newman. 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. When the underlying index performs well, a. If you have been seeking more information about annuities online, you have. Fisher is spot on in sharing the importance of keeping costs low. Learn More About Me. We’ve also been providing these. 21% and 1. 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 opportunity for additional, index-linked. 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 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. 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. 4,789 likes · 144 talking about this. 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. Annual withdrawals of 3. 70% for joint life (both you and your spouse. 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. 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. TIP: Only one kind of annuity invests in mutual funds: the variable annuity. 6:01 AM, 22 March 2019 . 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 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. 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 fees Welcome to Annuity Gator, your online portal to the most comprehensive, unbiased reviews of annuity products today. Downside protection. Considered strong and stable financially, Upstream has been assigned a B++ rating from A. The Annuity Gator’s End Take on the Global Atlantic ForeAccumulation ll Fixed Indexed Annuity. Our licensed annuity professionals are independent and are not captive or beholden to any particular insurance company. This annuity guarantees that these income payments will last for a specified period of time, or even for the remainder. 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!”. Annuity Gator is a trusted source of independent and transparent annuity guidance and recommendations. Our annuity experts are also available to answer any of the question or concerns that you. 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 SecureOption 9 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. At Annuity Gator, we are a team of experienced financial experts who are dedicated to helping you decode the complicated world of annuities. This includes comparing different annuities side-by-side – and we. This has led some to complain publicly. This annuity requires a minimum initial purchase payment of $25,000 with minimum subsequent premium payments of at least $1,000. 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.