Category Archives: Fixed Index Annuities

Indexing Strategies to Eliminate Stock Market Risk

Published on February 28, 2022

Bob Klein explains how a fixed index annuity works and how it can help you manage downside risk.

Take Some Chips Off the Table and Add Them to Older Income FIAs

Published on May 17, 2021

It’s a great time to purchase or add funds to fixed income annuities as part of an overall retirement income plan given the continued escalating stock market highs.

Uneasy About the “A” Word? You’re Not Alone

Published on May 14, 2019

When presented in the context of retirement income planning, fixed income annuities have proven to be the most appropriate and natural commercial solution for providing sustainable lifetime income.

Retain Your Gains with Fixed Index Annuities

Published on October 30, 2018

Some nerves were recently rattled when the Dow Jones Industrial Average (DJIA) declined 2,052 points, or 7.6%, in six trading sessions, going from a high of 26,952 on October 3rd to a low of 24,900 on October 11th. The loss increased to 2,830 points, or 10.5%, when the DJIA hit a low of 24,122 yesterday…

Income Rider is Everything When it Comes to FIAs

Published on April 19, 2016

When I think about and evaluate insurance riders for my clients, I look at the potential value my client will receive from adding one or more of them to a particular insurance contract. Insurance riders are optional benefits that aren’t included in the basic policy that may be purchased at additional cost. A rider typically provides…

Deferred Income Annuities Comparing More Favorably with FIAs with Income Riders

Published on December 1, 2015

If you’re planning for retirement and you want to receive sustainable lifetime income beginning at a future date, deferred income annuities (DIAs) and fixed index annuities (FIAs) with income riders are potential suitable choices. These are the two types of deferred fixed income annuities that are sold by life insurance companies. The question is which…

It’s a Good Time to Own a FIA with an Income Rider

Published on October 6, 2015

Although the Dow Jones Industrial Average (DJIA), with its close of 16,472 on Friday, is up 1,000 points from its August 24th low of 15,370, it’s still down almost 2,000 points, or 10%, from its May 19th high of 18,351. Putting things in perspective, a 10% decline is an overdue correction given the fact that…

Don’t Underestimate the Power of Zero

Published on July 6, 2015

If you’re approaching, or are in, retirement, or if you’re more sensitive to loss than to gain, FIAs may be an appropriate choice for a portion of your investment portfolio. Don’t underestimate the power of zero.

Looking for a Deferred Fixed Income Annuity on Steroids?

Published on June 22, 2015

For individuals concerned about longevity who are looking for a sustainable source of income they can’t outlive, fixed income annuities are an appropriate solution for a portion of a retirement income plan.

Make Sustainable Income a Cornerstone of Your Portfolio Beginning at 45

Published on April 27, 2015

Make sustainable income a cornerstone of your portfolio beginning at 45.

Looking for a Pension with a Flexible Start Date?

Published on March 16, 2015

If you want peace of mind when you retire, you need to have a plan that will generate sustainable income streams that will cover most of your fixed and discretionary expenses.

How Flexible are Flexible Premium Deferred Annuities?

Published on January 27, 2014

While many FPDA’s provide for indefinite additional investments, several have a limited defined window of opportunity.

Fixed Index Annuity Income Rider Charge – Is It Worth It? – Part 2 of 2

Published on January 13, 2014

The income rider charge is a small price to pay to obtain the unique combination of benefits offered by a FIA income rider.

Fixed Index Annuity Income Rider Charge – Is It Worth It? – Part 1 of 2

Published on January 6, 2014

Adding an income rider turbocharges your fixed income annuity. A FIA income rider offers five benefits that cannot be duplicated by any other investment.

Sustainable Lifetime Income When You Need It – Part 2 of 2

Published on December 2, 2013

If your goal is to receive sustainable lifetime income, in addition to Social Security, consider fixed income annuities offered by life insurance companies.