Index Annuities
Deferred Annuities Income Annuities Index Annuities

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Fixed Index Annuity
If you can understand it you just might love it.

By far the most complicated fixed annuity. I have been working with index annuities since 1997 and I feel those original designs are by far the simplest to understand and often perform the best. If your thinking of purchasing an Indexed Annuity or already own one make sure you know all of the below terms:

bulletCrediting Method (very important)
bulletAnnual Point to Point
bulletMonthly Point to Point
bulletCap (Monthly / Annual) Very Different
bulletMonthly Averaging
bulletDaily Averaging
bulletSpread
bulletPremium Bonus*
bulletPoint to Point
bulletHigh Water Mark
bulletGMWB and how it works
bulletMonthly Cap
bulletAnnuity Reset
bulletParticipation Rate
bulletAnnuitization Requirements
bulletMinimum Guarantee (100% @ 3.00%?)
bulletSurrender Charge
bulletPerformance Triggered

An indexed annuity is for an individual that wants to try for better than current fixed rate returns but does not want ANY downside risk.
The index upside is based on the crediting method features. Confused Yet? Call me.

 

 

 

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Last modified: 02/10/09
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