Learn How to Protect Your Wealth
What is Longevity Risk and How Do I Protect Myself?
In an age where advancements in healthcare and lifestyle choices are increasing our life expectancies, the concept of longevity risk is becoming more prominent in
How to Use an IUL for Your Kids
As a parent, securing your children’s future is of the utmost importance. One way to do this is by investing in an IUL policy. An
What Are RMDs (Required Minimum Distributions) and How Do They Work?
When making plans for your retirement, there’s no doubt that you’re also looking into wealth protection. As such, you’ve probably encountered the term required minimum
Index Annuity Crediting Methods: What Are They?
If you’ve been thinking about your retirement goals, chances are that you’ve encountered the term “index annuity.” You may have heard that there are various
What Is a Guaranteed Minimum Income Benefit (GMIB)?
When looking into creating a retirement budget, you may have come across the term guaranteed minimum income benefit (GMIB). Some annuity providers offer this optional
How to Create a Retirement Budget
Everyone dreams of a comfortable retirement. Unfortunately for many, poor planning leads to insufficient retirement savings. According to the Congressional Research Service, in terms of
What Is the Sequence of Return Risk?
In its most basic sense, retirement planning is about playing the “bidding time” game. You sequentially put money into your investment, wait for it to
Straight Life Annuity
Every working adult intends to have a retirement plan that will serve their needs once they retire and cannot work anymore. As the years go
How To Fund College Education Through an Indexed Universal Life Policy
The financial burden of a college education is a source of stress for many families. According to CollegeData.com, tertiary education in private institutions would cost
What Is an Ordinary Annuity? Everything You Need To Know
Retirement planning is an extensive yet necessary step to take before leaving your working years. Many people are discouraged from planning their retirement because of
What To Do If Your 401k Is Losing Money
If you’re like many of us, you’ve been on a wild ride in the markets this year, and you may have seen your 401(k) account
Do Annuities Receive Favorable Tax Treatment?
Annuities are an investment that many consider, especially during retirement. One of the reasons people choose it is because it is a low-risk vehicle. However,
Non-Qualified Annuities (Everything You Need to Know)
It’s no secret that in today’s marketplace, annuities are evolving. Most notably, there has been a massive shift from the traditional, qualified type of annuity
IUL vs Whole Life Insurance: What’s the Difference?
It’s always a good idea to purchase a life insurance policy to ensure that your family is set financially in the event of your retirement
IUL vs 401k
For a financially secure retirement, it is prudent to have a plan early. By diverting part of your paycheck into a tax-advantaged retirement savings plan,
IUL vs Roth IRA: What’s the Difference?
Most people are aware that they should start putting aside money for retirement, but many hold it off because of the complexity of the task
Annuity vs 401k: What’s the Difference?
Annuity vs 401k, always part of the topic of conversation with retirement. These are two separate ways to ensure you get income after you stop
The Impacts of Inflation on Retirement
Since 2021, the world has been in hyperinflation, and there’s no sign that we’ll return to the regular rates that were present in the past
What Is a Single Premium Immediate Annuity (SPIA)?
A single premium immediate annuity, or SPIA, is a type of annuity that offers the annuitant a guaranteed stream of income. It is a contractual
What is the Best Type of Annuity
It’s never too early to start planning your future, especially when nearing retirement. One of the most significant decisions you will have to make is
Annuity Payout Options
Are you looking for information on annuities and would like to learn more about how you can use them to your advantage? Annuities are effective
Qualified Vs Non-Qualified Annuities
During retirement, annuities can be a great source of income, providing a way to schedule payments through a structured settlement. However, there is a difference
What is a Deferred Annuity and How Does it Work?
A deferred annuity is a contract with an insurance company that’s designed to generate income for retirement. The main difference between a deferred annuity and
The Ultimate Guide to Annuity Taxation
If you’re thinking about ways to maximize your retirement income and ensure you don’t give away more than you legally need to come tax time,
What You Need to Know About Annuity Beneficiaries
Annuities allow people to receive steady payments after they retire. These payments can be sizable, especially if the annuity has been given ample time to
What Are Annuity Rates and How Are They Set?
You’re preparing for retirement and wondering if you should invest in annuities. These insurance products are investments designed to bolster your retirement in order to
4 Signs an Annuity Can Help Fund Your Retirement
If you’re starting to plan for your retirement, chances are you’ve probably thought about purchasing an annuity. More and more people are looking to annuities
Are Annuities a Good Investment? Everything You Need to Know
Annuities can be a reliable source of income during retirement. That much you know. But it’s everything else you may hear or don’t hear about