The Annuity Audit™
Annuities are one of the most complex financial instruments.
Are you certain your current annuity is the right one?
Why an Annuity Audit might be one of the most important financial actions you can take.
In the past few years annuities have evolved significantly. They now have major focus on income riders, home healthcare benefits, income enhancements, and so many ways to credit interest it will make your head spin! There’s even “hybrid annuities” which combine various features of other annuities. Sadly, there’s a lot of misinformation about how they really work.
For investors doing research on these new breed annuities (index annuities, fixed index annuities or equity index annuities, and hybrid annuities in particular) it is becoming increasingly difficult.
An annuity audit is just the opposite. It is 100% independent, breaks down the good and bad, and uses fully disclosed research. The purpose is to help people who own an annuity make a well informed decision about their future.
What you’ll find is that all annuities do some things really well. However, there are things some annuities are not entirely clear. It’s important you understand the differences, so you can determine if your present annuity is a good fit as part of your financial plan.
TODAY’S ENVIRONMENT (WHAT’S CHANGED)
The annuity industry has changed dramatically in the last four years. The current low-interest rate environment and recent market volatility have caused many, including insurance companies, to think differently about annuities.
Insurers have since dramatically scaled back the benefits and features by eliminating them entirely, raising the cost, lowering the guarantees, or imposing new restrictions. Some are trying to further reduce their exposure by offering to buy-back the riders from clients.
Are you CERTAIN your current annuity is performing properly?
Annuities can help people preserve their both their capital and their gains in a volatile market