How Do Interest Rates Affect Annuities

How Do Interest Rates Affect Annuities

Everybody is asking me this, how do interest rates affect annuities? Now, you just can't say they affect all annuities the same way because there are different types of annuities. What we're going to do is we're going to go through every single type that's out there, and I'm going to tell you precisely how interest rates affect each one of them.
089 Mr. FIA-X: The Empty Promises Behind Fixed Index Annuities

089 Mr. FIA-X: The Empty Promises Behind Fixed Index Annuities

Back by popular demand once again, Mr. FIA-X joins me on Fun With Annuities episode #89. Without a doubt, he is one of the most popular guests I have on because people are so interested in the FIA (aka: Fixed Indexed Annuity) topic and want to know the brutal truth.
What Is A Single Premium Immediate Annuity

What Is A Single Premium Immediate Annuity

What is a single premium immediate annuity? How does it work? Should you own one? We're going to dive into many things concerning single premium immediate annuities. We're also going to go through; should you even own one? We're going to go through the details of how you can make that decision.
What Is a QLAC: Qualified Longevity Annuity Contract

What Is a QLAC: Qualified Longevity Annuity Contract

Today's topic is what a QLAC, qualifying longevity annuity contract, is? A relatively new offering from the annuity industry. We're going to cover a lot today on qualifying longevity annuity contracts. I'm also going to call them QLAC. What is a QLAC? What do they solve for? What's the history of a QLAC? We are going to go over all of that.
088 David Blanchett: Retirement Income Investing in a Low-Yield World

088 David Blanchett: Retirement Income Investing in a Low-Yield World

A true "rock star" in the retirement planning world, welcome to the Fun With Annuities podcast David Blanchett, the managing director and head of retirement research at PGIM Solutions.
How Do Insurance Companies Make Money On Fixed Index Annuities

How Do Insurance Companies Make Money On Fixed Index Annuities

Today's topic is how annuity companies make money on fixed index annuities. There is a lot of misinformation out there, and I'm going to try to make it very simple for you to understand why the annuity companies have significant buildings. They're smart.
How to Buy an Annuity: What Type of Annuity Is Best

How to Buy an Annuity: What Type of Annuity Is Best?

Today, we're going to talk about what type of annuity is best. Now, disclaimer, we might get to the end of the road when you and I are talking and come to a realization that no annuity type is best. Annuities are not for everyone. There are many types, and we’re going to talk about them.
087 Jason Fichtner: Understanding A Changing Retirement Landscape

087 Jason Fichtner: Understanding A Changing Retirement Landscape

Fun With Annuities co-host # 87 is Jason J. Fichtner, Ph.D., vice president and chief economist at the Bipartisan Policy Center. His research focuses on Social Security, federal tax policy, federal budget policy, retirement security, and policy proposals to increase saving and investment.
SPIA Calculator: Two Ways to Find the Best Quote

SPIA Calculator: Two Ways to Find the Best Quote

Today's topic is SPIA calculator and two ways to find the best quote. We're going to go through where you go to run your own quotes, and I'm going to talk about the two best ways to find the highest contractual guarantees for your specific situation.
How to Buy an Annuity: Is It Possible to Time the Purchase?

How to Buy an Annuity: Is It Possible to Time the Purchase?

Everyone asks me whether it is possible to time the purchase. Is there a sweet spot? Is there an arbitrage moment where it's the perfect time to buy an annuity of any type? Of course, everyone that's in the market, the stock market, or anything like that, you've been trained to try to time it. Can you do that with annuities?
086 Steve Parrish: Rational and Phased Retirement Planning

086 Steve Parrish: Rational and Phased Retirement Planning

Steve Parrish is a true thought leader, and it was great to have him on the podcast. He is the co-director of the Retirement Income Center at The American College of Financial Services.
Should You Get Out of an Annuity?

Should You Get Out of an Annuity?

Hi, I'm Stan, The Annuity Man, America's Annuity agent® licensed in all 50 states. Should you get out of your annuity? We're going to cover that and talk about market value, adjustments, and surrender charges comparing to other annuities.
How to Buy an Annuity: What Are the Questions You Need to Answer

How to Buy an Annuity: What Are the Questions You Need to Answer

We're talking today about how to buy an annuity. Don't get all crazy out there that I'm not just pinching and selling. What we're going to talk about today are the questions that you need to answer when considering if an annuity of any type is valid. Should you buy an annuity?
085 Bob Carlson: The Good News and Gotchas Around Tax Wise Investing

085 Bob Carlson: The Good News and Gotchas Around Tax Wise Investing

With our “friends” in Washington, DC spending money at historic levels it’s common sense that taxes are probably going to go up and politicians will be targeting existing tax-saving strategies.
How to Buy an Annuity: What Age Is Too Old or Too Young?

How to Buy an Annuity: What Age Is Too Old or Too Young?

I’m so glad you joined me for the continuing series of how to buy an annuity and know this isn't unveiled, sales pitch, bad chicken dinner seminar nonsense. We're doing a series on how to buy an annuity because we get a ton of questions. Today's topic on buying an annuity is what age is too old or too young to buy an annuity?