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. Consultations with the company are free. My name is Mark Shelby, 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. For producing an income for life that cannot be outlived by a surviving spouse. 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. 0 Where it works the best: You may want to consider the Prudential HDLI v3. The Annuity Gator’s End Take on the Symetra Select 5 Multi-Year Guaranteed 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. Here you’ll find resources to help you retire with confidence. . The Annuity Gator’s End Take on the Jackson National Perspective L Series Variable Annuity Where it works best: When considering the Jackson National Perspective L Series annuity, it can typically work best when an investor wants to be invested for market growth – and wants the ability to diversify – and still wants the opportunity for. Learn More About Me. 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 Canvas Annuity At Annuity Gator, we feel that annuities are good financial options – provided that they are purchased for the right reasons. 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. We can be reached by phone at (888) 440-2468 and via email by going to our secure online contact form. At Annuity Gator we work for you, the investor, so our advice comes to you unbiased. Annuity Gator. So, if you would like to set up a time to talk with an Annuity Gator retirement income expert, feel free to contact us by phone at (888) 440-2468 or via email, through our secure online contact form. Welcome to the Annuity Gator database. Barclays U. For instance, this annuity has ten years of back-end surrender charges. Annuity Gator Annuity Gator Reviews 350 • Excellent 4. Annuity Gator educates investors on the benefits and advantages of choosing to invest in annuities. 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. 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. Again no pressure to buy anything. American Equity Investment Life offers a variety of annuities, including: Fixed Fixed Index Immediate Traditional fixed annuities can help you to. 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 Great American Landmark 3 Fixed Index Annuity Where it works the best: Although this annuity comes with a number of nice benefits, it will typically work the best for those who are seeking the. Sources Retirement Uses for Your Health Savings Account (HSA). 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 with the proper use of annuities. 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. We can help you with the following three areas: 1). My name is Andrew Wallop. The representative also went into detail and explained to me the pros and cons of my annuity. This is applied as a percentage of the daily net assets of the variable sub-accounts. The MYGA Plus is a multi-year guaranteed, single-premium deferred fixed annuity with an IndexLinked Option offered by Ibexis Life & Annuity Insurance. 0 Optional Income Benefit If you are seeking a guaranteed income for life, then the MyPath Ascend optional income benefit rider may be a viable choice for you. 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. Best. The Annuity Gator’s End Take on the Lincoln ChoicePlus Assurance Variable Annuity Where it works best: For investors who have a high tolerance for risk. With more than 58% of United Heritage’s overall. As a source of guaranteed income delivered by a reliable company. These contributions are tax-deductible and they grow tax-deferred. 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). My name is Mike Kalisch, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. An accumulation vehicle for someone who needs access to their money. 60% a year, and the maximum annual fee for the life of the contract is 2. 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. 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. An annuity is designed to give you income. My name is Brian Greco. With our proprietary Annuity Software we can: Back-test the annuity against 50 years of previous stock market history. The product literature for the Reliance Standard Life Apollo MVA annuity describes this product as being “a smart choice for safety conscious individuals seeking financial security. 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 producing an income for life that cannot be outlived by a surviving spouse. 4,789 likes · 144 talking about this. The company’s assets under management were in excess of $77 billion, with 2018 revenue of $2. 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. At year-end, United Heritage Life Insurance held nearly $627 million in assets and nearly $71 million in capital and surplus. The company specializes in annuities, as well as mutual funds, retirement plans, and life insurance coverage. For investors who have a high tolerance for risk. 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 has a 7-year surrender charge period). The insurance company that offers the annuity that you select will then compensate us for helping you find the right annuity. (Then, following the initial guaranteed option period, renewal interest rates. At Annuity Gator, we don’t think you should have to stay in a product that is no longer fitting your needs. com team members will personally. Based in Boston, this large financial services company holds (as of September 30, 2017) roughly $6. 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. Despite the current volatility in the market and the low interest. The minimum rate of return on the Horace Mann Capital Bonus 2 annuity is 1%. Annuity Gator. M. 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 Athene Agility 7-Year 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. What’s Included In This Annuity Ranking Report This Annuity Ranking Report was created using our up-to-date computer models to evaluate hundreds of annuities of all shapes and sizes. The Annuity Gator’s End Take on the Mass Mutual RetireEase Choice QLAC Where it works best: Although the Mass Mutual RetireEase QLAC may not be right for everyone, this product could be a good option for those who: Are anticipating a long life; Require an income source later in life; Want to ensure that a spouse has guaranteed income later in. The minimum fee for this feature is . I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. Learn More About Me. 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. But that’s not all. Upstream Life is headquartered in Dallas, Texas. 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. Your choice of interest rate guarantee periods. 75% to 6%, depending on your age and the income option. The Annuity Gator’s End Take on the American Legend III Fixed Indexed Annuity from Great American 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 retirementThe Annuity Gator’s End Take on the New York Life Guaranteed Future Income ll DIA Where this annuity may work best: The New York Life Guaranteed Future Income ll Deferred Income Annuity may be a good option for you if you: Anticipate a long lifespan; Will need retirement income in the extended future;Hidden costs and fund participation rate variances explained by Annuity Gator. Fixed annuities like the Secure Legacy MYGA product offer a great deal of certainty, even in an uncertain financial world. The Annuity Gator’s End Take on the North American Prizm Plus 14 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. Annuity Gator is a trusted source of independent and transparent annuity guidance and recommendations. 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. 5 trillion in total customer assets, and services approximately 26 million individual customers for which it transacts more than 1/2 million. Annuities are not usually associated with the best way for that. The future results can be an essential factor, though, as they can ultimately make a difference in how your annuity performs – and in turn, how much income you can garner from the annuity in retirement. I filled out all the paper work, contacted my financial advisor, contacted Athene by phone and waited. For years, we’ve made the annuity comparison process easy and understandable – which in turn, can make the annuity buying process much less. This annuity requires a minimum initial purchase payment of $25,000 with minimum subsequent premium payments of at least $1,000. S If you would like to read more of our VOYA Financial annuity reviews here is a link to check out: Voya Life Guarantee Choice Fixed Deferred Annuity . 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). So, at that time (fall 2021), there is no track record on which to base its performance. We can help you with the following three areas: 1). Annuities Explained. Use the form on our website and one of the AnnuityGator. 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. com team members will personally. 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. 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. 35% respectively. Initial contact was expedient. In this case, for instance, it provides greater downside protection in the case of a market downturn. For investors who have a family history of life longevity. With that in mind, having an income plan in place before it is actually needed is highly recommended. As an example, the Jackson National Perspective II variable annuity prospectus includes updates that were included as of April 24, 2017. Annuity Gator helps people research and compare annuities with free information and advice from licensed professionals. Annuities are a unique. Although these fees can be steep, they are roughly the same that would be paid to a financial advisor managing stocks. 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. In the case of the Polaris Platinum III, the rate is a generous 6% guaranteed annually. Protection from loss in a down market. 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. However, they differ from regular fixed annuities in the way their return is determined. 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!”. Annual withdrawals of 3. send a question. These begin in Year 1 at 9%, and they gradually grade down to . So, if you would like to learn more, feel free to contact us at (888) 440-2468 , or send us an email by going to our secure online form . On the USAA website, the Extended Guarantee Annuity is described as a deferred fixed annuity product where you can put in a lump sum of money and earn a guaranteed interest rate for a certain period of time. Learning about how annuities work is essential for determining whether or not a. The Protective Smart Saver 4 annuity is described as a limited flexible premium deferred fixed annuity. Likewise, there is also a fee to add the optional guaranteed minimum death benefit. If you’re still considering the Fidelity FG Guarantee. 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. com Visit this website Write a review 4. These contributions are tax-deductible and they grow tax-deferred. 4 Comments . Annuity Gator Terry Heys, CEO of Annuity Gator This is where text would go about annuities and explaining the video telling people why annuities are the way to. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. product was identified and information sent. Where it works best: For investors who have a longer time frame. The company is not an annuities broker and it’s not an insurance company. 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. The Annuity Gator’s End Take on the Global Atlantic ForeIncome 1 Fixed Index Annuity Where it works best: The bottom line on the Global Atlantic ForeIncome Option 1 fixed indexed annuity is that this annuity may work the best for people who are looking for the following features:If you have $500,000 invested in an annuity, for example, then a 10 percent surrender charge would set you back by $50,000. My name is Barbara Halperin, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. 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 guaranteeThe 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: A reliable income stream right away (or one that starts within 12 months after purchasing. 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. 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. 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. David was extremely helpful from start to finish. The Lifetime Income Benefit with the IAV rate of 5. 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. A check was sent promptly and just as promptly, cancelled, due to “ wrong amount sent”. This is because the contract will provide the. 4 billion in operating revenues and operating income in excess of $774 million,. The Annuity Gator’s End Take on the American Classic Annuity from American Life 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 tax-deferred growth An interest rate guarantee for a set period of timeLearn More About Me. 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. (The company also earned a #2 ranking by Wink for overall carrier, and a #10 ranking for MYGA annuities – in the independent. The Annuity Gator’s End Take on the Jackson National Life BonusMAX Two Annuity Where it works best: The Jackson National BonusMAX Two annuity may work the best for those who are looking for the following: Safety of principal; Guaranteed lifetime income; Guaranteed rate protection – at least for a short period of time after purchasing the. If you’re still considering the Farm Bureau Select IV New Money 4. Our annuity ranking software will help you compare the best annuities for retirement and recommend a customized annuity strategy, so you can get the most bang for your buck. According to the Allianz Endurance Plus Annuity Product Profile [/desktoponly] Thereafter. My name is Mike Kalisch, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. 1 Sep 25, 2022 Date of experience: September 22, 2022 Joan Lunebach 4 US Apr 12, 2023 Verified Pleasant and super efficient . We can be reached by phone at (888) 440-2468 , or by sending us an. 50% in Year 10, until they reach 0% in Year 11 and thereafter. It’s our firm belief that when. Annuity Gator provided the contact with Joshua, and I am glad they did. 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 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. The Annuity Gator’s End Take on the Protective Life Insurance Company’s Income Creator Annuity. Best and a Long-Term Issuer Credit Rating of bbb+. Reviews are posted at the request of readers so they could see an independent perspective when breaking down the positives and negatives of specific annuity contracts. 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. 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. (Although up to $35 can be waived with net premiums paid or a policy value of $50,000 or more – and up to $50 can be waived if your policy value is $250,000 or more). 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. 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. Feel free to contact us directly by phone at (888) 440-2468 and chat with one of our annuity specialists. The Annuity Gator’s End Take on the Pacific Life Frontiers ll Deferred Fixed Annuity Where it works the best: If you want to lock into a set interest rate (for a set period of time) If you want to ensure that your principal is safe; If you plan to use the lifetime income feature;At Annuity Gator, we focus on educating consumers and financial professionals on how annuities work, and where they may – or may not – fit in an individual’s portfolio. The Annuity Gator’s End Take on the Prudential Premier Retirement B HDI v3. 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. 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 way that. My name is Jason Siebert. The Annuity Gator’s End Take on the Midland National MNL Guarantee Ultimate ll 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 incomeThe Annuity Gator’s End Take on the Securian MyPath Ascend 2. For investors who have a family history of life longevity. 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. My name is Mark Newman. Plus, if you withdraw funds from the annuity when you are under. Independent annuity professionals provide honest advice, better products and personalized products for your situation. M. This annuity requires a minimum initial purchase payment of $25,000 with minimum subsequent premium payments of at least $1,000. 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. The Jackson National Perspective II variable annuity has had its ups and downs throughout the years. So, if you are still considering the. 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. The Annuity Gator’s End Take on the Athene Ascent 10 Bonus 2. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates. The company held approximately $158 billion in total assets as of year-end 2017, as well as more than $11. Considered strong and stable financially, Upstream has been assigned a B++ rating from A. With the Elite Access Advisory annuity from Jackson National, you will run into a number of charges, which in turn can have a negative impact on your overall return. For instance, the Better Business Bureau has given Athene an overall grade of C-. Buffer annuities allow you to take part in the growth of one or more underlying market indexes (such as the S&P 500), while at the same time keeping your account from incurring a set amount of loss. 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. 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. Annuity Gator, Cortaro, Arizona. 00%. 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. I specialize in helping Americans financially prepare for retirement with the proper use of annuities. Annuities can be complex. 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. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of 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. 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. Hagin . I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. 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. He took the time to educate me on the alternatives available in the field of annuities. 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. 25%. Use the form on our website and one of the AnnuityGator. The Annuity Gator’s End Take on the TIAA Traditional Fixed Annuity Where it works best: Given its safety and income options, the TIAA Traditional annuity will usually work the best for those who are looking for: Guaranteed lifetime income Safety of principal A set rate of interest Tax-deferred growthThe Amplify 2. We look forward to helping you create your retirement savings and income strategy. I specialize in helping my clients financially prepare for retirement with the proper use of annuities. 8 350 total 83% 5% 2% 2-star 2% 1. Annuity Gator exclusively works with a select group of vetted, independent advisors that specialize in delivering sound retirement planning strategies and unbiased annuity recommendations. 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. 6%, with an account value of $110,000, which gives you an annual income for life of $5,160. 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. You could also be subject to an annual maintenance fee of either $50 or 2% of the account value – whichever amount is less. Where it works best: For producing a reliable, “pension-like” guaranteed income stream. This single premium fixed deferred annuity can provide long-term asset growth, with protection from care costs built directly into the annuity. For instance, this annuity has ten years of back-end surrender charges. This seemingly endless stream of annuity “fine print” can often times lead to the complaints that are received about annuities – because customers will. Despite the current volatility in the. The Annuity Gator’s End Take on the Farm Bureau Select IV New Money 4 Multi-Year Guarantee 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. 0 Variable Annuity Where the annuity works best: As a variable annuity, the Nationwide Life Destination Architect 2. ) By paying this fee, your money will grow or step-up in a separate account. How Do Annuities Work. As of mid-2019, Equitable had more than $952 million in admitted assets, which is a 96% increase from just one year prior. 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. 70% for joint life (both you and your spouse. 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. 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. Throughout the years, this insurer has grown and expanded, both in terms of client base and assets under management. The Annuity Gator’s End Take On Preference Plus MetLife Variable Annuity Where it works best: For producing a reliable, “pension-like” guaranteed income stream (so long as “Fixed Income” option is elected to guaranteed a consistent income payout) For producing an income for life that cannot be outlived by a surviving spouse According to the Allianz Endurance Plus Annuity Product Profile, this is a fixed indexed deferred annuity that offers a bonus and enhanced interest that is added to the product’s Enhanced Withdrawal Benefit (EWB) value. My name is Joshua Schlinsky I specialize in helping Americans financially prepare for retirement with the proper use of annuities. 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. 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. 0 Where it works the best: You may want to consider the Prudential HDLI v3. 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. The money in this annuity – as with other types of deferred annuities – grows on a tax-deferred basis. Independent annuity professionals provide honest. product was identified and. My name is Donna Lee. Annuity Gator sent 3 emails to confirm my phone appointment, but when the time came, their agent totally forgot about it. 0 Annuity Where this annuity works best: This annuity could be a viable option for you, provided that you: Are seeking the opportunity for higher return; Have a high tolerance for risk; Want the ability to boost your lifetime income in retirementThe Athene Ascent fixed indexed annuity is primarily designed for those who will need income in ten years or more, and who want to obtain guarantees with growth potential. Featured. 2 billion in equity. S. 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. Read customer reviews of their agents, products, and services on Trustpilot. This is particularly the case with indexed annuity products like the Allianz 222, as they tend to have a lot of “moving parts”. When you initially purchase an annuity, funds may be contributed in a number of ways, depending on whether the annuity is immediate or deferred. Initially, he listened to understand my needs, wants, and fears. 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. When the market experiences an upward trend, the returns inside the annuity increase. 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 Guardian Secure Future Income Deferred Income Annuity Where it works the best: This annuity could be a good option for those who: Anticipate a long life; Will need retirement income in the extended future; Are seeking a guaranteed income;The Polaris annuity also has a surrender charge for the first seven years. How Do Annuities Work; What is a Retirement Annuity? What is Annuity Income? Annuity Types. The company is highly rated through the insurer ratings agencies, which includes a (n): A- from A. The growth component of a Protected Growth Annuity is tied directly to market indexes like NASDAQ, DOW, and S&P 500. I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. 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. The company states that annuities are generally best for investors between ages 50-75 with at least $100,000 in retirement savings. I help clients all over the country find ways to. But it will typically work the best for those who are seeking the following attributes:The Annuity Gator’s End Take on the Lincoln Impact Advantage 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; Guaranteed income in retirementWhile an annuity can provide you with a stable income source in retirement, not all annuities operate the same. We look forward to helping you protect the ones you love with your own unique legacy. Share Tweet Pin it Share. So, if you have questions – or if you’d like to discuss whether or not an annuity is right for you – contact us at (888) 440. 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 Annuity Gators End-Take on the Nationwide Destination C Variable Annuity. 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. Your personal info might be collected and sold to a random insurance. Annuity details can be somewhat cumbersome to digest. Best, and an A- (Strong) from Standard & Poor’s. This annuity offers a unique advantage – particularly if the Income Aspect Income Rider is added, which can offer the power of a 10 percent simple interest crediting rate. So in this scenario, you would actually be guaranteed a rate of 4. My name is Ryan Smith, and I specialize in helping my clients financially prepare for retirement, which often includes the proper use of annuities. He. With this annuity, there is an annual insurance charge of 0. According to EMC National Life’s website, the Single Premium Immediate Annuity (SPIA) is designed to provide a guaranteed, steady income immediately after purchase. 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. 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. 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. 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. They use a combination of. I specialize in helping Americans financially prepare for retirement with the proper use of annuities. The company is considered to be strong and stable financially, and because of that it has earned an A- (Excellent) rating from A. If you’re still considering the Navigator Elite MVA annuity from. At Annuity Gator, our mission is to educate consumers on all things annuity. If you don’t have access to a 401 (k), you can still build wealth like a millionaire if you utilize best financial practices. This annuity offers a unique advantage – particularly if the Income Aspect Income Rider is added, which can offer the power of a 10 percent simple interest crediting rate. If you want to learn modern approaches to protect and grow your retirement savings and ensure that. 2 Living Benefit Rider is only available with Transamerica variable annuities – so if you own an annuity that is fixed or fixed indexed and/or if the annuity was purchased through a different insurance company, then this. When the underlying index performs well, a. 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. Despite the current volatility in the. 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. Which sounds really cool at first. The opportunity for index-linked growth. 8 VERIFIED COMPANY annuitygator. The Axiom II annuity product also charges an annual mortality and expense fee (M&E) of 1. As an income source for investors who have a longer timeline. Dynamic Balanced Index II May 2016 – April 2017. 55%. As of year-end 2018, American Equity. Learn More About Me. 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. 40%. By delving into the good, the bad, and yes, sometimes even the ugly — you’ll find everything you need to know for determining whether or not a particular annuity may (or may not) be right for you. (Although up to $35 can be waived with net premiums paid or a policy value of $50,000 or more – and up to $50 can be waived if your policy value is $250,000 or more). The company’s mission is to dispense honest guidance,. For instance, if you withdraw more than 10% of the annuity’s contract value within the first full nine years, you will incur a withdrawal fee. 75% to 6%, depending on your age and the income. The amount of this charge will depend on the interest rate guarantee that is chosen – either a 5-year, 7-year, or 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. Founded in the late 1800s as an insurance company, The Principal has grown and expanded exponentially over the years. My name is Terry Ciotti, I specialize in helping Americans financially prepare for retirement with the proper use of annuities. The Annuity Gator’s End Take on the Allianz 222 Annuity with Protected Income Value (PIV): Where it works best: For producing a reliable, “pension-like” guaranteed income stream / lifetime withdrawals (although there are other annuities with higher guaranteed income at this time) Annuity Gator pledges only to recommend annuities that are the right fit for your retirement funding and circumstances. And, if you choose the lifetime income option, this. 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;The Annuity Gator’s End Take On The Prudential Variable Annuity. In this case, while longer terms will typically offer higher rates of return, shorter terms can help with managing market fluctuations better. 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. 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. | We simplify the way annuities are. What's the biggest question that you have about annuities? *. The Annuity Gator’s End Take on the Fidelity & Guaranty FG Guarantee Platinum 7 MYGA Annuity Where this annuity works best: Just like all products and services, there can be some pros and cons, meaning that. 75%. 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. As of mid-2020, Security Benefit Life held more than $41 billion in consolidated assets under management, and statutory revenue of nearly $5 billion. My name is Matthew Taub. Fisher is spot on in sharing the importance of keeping costs low. With an indexed annuity, the return is based in large part on an underlying market index, such as the S&P 500. 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. At Annuity Gator, we are a team of experienced financial experts who are dedicated to helping you decode the complicated world of annuities. This is a good example of why consumers absolutely need to run the numbers before moving forward with the purchase of an annuity – as these products will oftentimes take a large percentage of you overall retirement savings, and they are quite difficult to get out. At Annuity Gator, we specialize in helping people understand annuities and how these financial vehicles can help to supplement retirement income. 00%. Annuity Gator is a trusted source of independent and transparent annuity guidance and recommendations. That’s where the Annuity Gator comes in. 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. This means that regardless of future economic conditions. 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. Each annuity review is written with the goal of publishing the most complete, unbiased annuity reviews available on the World Wide Web today. Annuity Gator connects its customers to a wide range of annuity providers. At Annuity Gator, we are a team of experienced financial and annuity professionals who specialize in providing in-depth, and unbiased, annuity reviews on the Internet. The Annuity Gator’s End Take on the Northwestern Mutual Select Platinum Annuity Where it works best: There are several areas where this annuity could work well, such as for those who are seeking: Protection of principal – regardless of what occurs in the market A set interest rate for a guaranteed period of timeOur experts place a key focus on retirement income and related needs. 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 the place to go if you are looking for comprehensive and up-to-date information on the kinds of annuities sold to investors today. In addition, there is an annual service charge of $35, up to a maximum of $50. It is rated highly by the insurer rating agencies, with an A- (Excellent) from A. 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. I help clients all over the country find ways to generate more retirement income while securely protecting their money during these turbulent times. 60% a year, and the maximum annual fee for the life of the contract is 2. After researching a 60 and 115% fund index rates I noticed that after the initial period of 12 to 24. You can compare and research over 100 retirement annuities without meeting with a sales agent, and get personalized and customized strategies. 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. The Annuity Gator’s End Take on the Eagle Life Select 10 Fixed Indexed Annuity Where it works the best: This particular annuity will usually work the best for those who are looking for: The opportunity to obtain a higher rate of growth as versus a regular fixed annuity; Safety of principal; Guaranteed lifetime income We also created an online annuity quiz that over 10,000 people have taken. 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;The Annuity Gator Podcast “Our podcast features ideas, tips and tricks to help you achieve your dream retirement. 10% to . Best, and an A- (Strong) from Standard & Poor’s. So, feel free to reach out to us by phone at (888) 440-2468 or via email by going to. These updates include funds that have been merged into the annuity that was not previously available. The company offers more than 100 in-depth company reviews, a free online quiz, and free consultations with no obligation. I think Mr. The Annuity Gator’s End Take on the Mass Mutual Odyssey Select 7-Year MYGA Annuity Where this annuity works the best: If you want principal protection; If you are seeking an interest rate guarantee; If you plan to use the guaranteed income feature; Where this annuity works the worst: If you want the opportunity for a higher rate of returnOpening Thoughts on the Pacific Life Pacific Mariner 3 Year Annuity. Our annuity experts are also available to answer any of the question or concerns that you. 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. This annuity offers an initial rate guarantee of four years that begins on the issue date of the annuity contract. The Annuity Gator’s End Take on the Kansas City Life GrowthTrack Flexible Deferred Fixed Annuity Where this annuity works best: While it admittedly has a few flaws, the GrowthTrack Flexible Deferred Fixed Annuity from Kansas City Life Insurance Company could still be a viable option for those who are seeking the following benefits:Throughout the years, the company has merged and grown into a large insurance and annuity marketplace that now generates in excess of $250 million in new premiums each year, and (as of year-end 2018), held more than $530 million in total assets. So, if you have questions or want to learn more, contact us directly by calling (888) 440-2468 or you can send us an email through our secure online contact form. 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. 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. Best (as of June 2018) and an A- (Strong) from Standard & Poor’s. The fees that are paid for an annuity are absorbed by the dividends they pay and are only apparent if you go looking for them. The NWL Global Lookback is a Fixed Index Annuity very different than anything I’ve seen on the market. 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. Independent & Objective Reviews on Annuity InvestmentsAnnuity Gator | 88 followers on LinkedIn. This annuity allows you to turn a lump sum of money into a steady income stream right way. My name is Scott Batchelar. Annuity Gator – Ryan Smith Bio. Annuity Gator is a team of experienced financial experts who are dedicated to helping you decode the complicated world of annuities. In the case of the Polaris Platinum III, the rate is a generous 6% guaranteed annually. 12:36 PM, 16 June 2017 . 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. 35%.