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How Do Interest Rates Affect Annuities. Stan Haithcock. December 30, 2021. 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.…
Interest Rates. Table of Contents. Get. Personal. Quotes. The Annuity Man® has 4 proprietary calculators and live feeds to provide the highest contractual guarantees available with all carriers. Get a Free Quote. Interest Rates. Stan Haithcock. November 17, 2024.…
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Multi-Year Guarantee Annuities are Fixed Rate Annuities. They are the annuity industry's version of a CD. Can you time the purchase? Do you know when the interest rates are going to be? No. By the way, nobody knows when interest rates are going to move.…
Short Answer: Lifetime annuity income is primarily calculated based on life expectancy at the time income begins, with interest rates playing a secondary role. What Determines Lifetime Annuity Income Payments?…
Interest Rates. Stan Haithcock. December 19, 2022. Today's topic is a perfect one and so important. Annuity rates versus payout rates. Is there a difference? You are darn right, there's a difference.…
But in the world of annuities, and we're talking about historical rates, it comes down to two types of rates, interest rates, which everybody's hung up on. "Well, I'm going to wait then to buy until interest rates are higher." What?…
Payout Rates vs Interest Rates: Shootin' It Straight with Stan®. Stan Haithcock. April 13, 2022. Breaking Down and Separating Rates. Today's topic is payout rates versus interest rates. This is a big one.…
Okay, the fourth biggest mistake I see is people trying to time interest rates. Now, at the time of this taping, people can argue that interest rates are low or interest rates are high, depending on how you're looking at it.…
Interest Rates. Okay, I just talked about life expectancy, so let's talk about interest rates. Guaranteed lifetime income is a combination of return or principal plus interest. How do interest rates play into this?…
Interest Rates and Annuities: Shootin It Straight With Stan. Table of Contents. Get. Personal. Quotes. The Annuity Man® has 4 proprietary calculators and live feeds to provide the highest contractual guarantees available with all carriers. Get a Free Quote.…
You need to buy now because of interest rates. You need to buy now!". Annuity Types. Clear my throat. No, that's not true. Annuities are contracts. There are many types of annuities out there, period.…
Interest rates play a secondary role. Life Expectancy. So how does the economy affect a lifetime income stream annuity, like an Immediate Annuity, a Deferred Income Annuity, a Qualified Longevity Annuity Contract, or an Income Rider?…
Interest rates play a secondary role. Older individuals typically receive higher payments because fewer projected payments are expected. Can Unused Money Go to Beneficiaries? Yes.…
Call features mean that if interest rates go down after you purchase the highly yielding bond, some provisions allow that issuing entity to call that money back.…
How the Economy Affects Annuity Rates. Stan Haithcock. September 16, 2021. The question is, how does the economy affect annuity rates? That's a fundamental question to a very detailed answer because annuities are not all the same.…
At the time of the blog, the guaranteed interest rates are very fair and the highest we've seen for a long time. And people say, "Well, what do you think, Stan? Do you think the interest rate is going to increase?"…
Nobody knows where interest rates are going to go. And if you're out there saying, "Well, they have to go up, Stan. We all know at some point in time, they have to go up, right?" I've heard that for five years now, and I've seen rates decreasing and increasing.…
Interest Rates. I get questions about bonds and interest rates and all that stuff. Remember the bond thing, interest rates, when interest rates go up, bond pricing, that valuation of the bond goes down and vice versa.…
Any downside to using the 10% fee-free withdrawal allowed by MYGA's to buy new annuities if interest rates are rising? Some of MYGA's pay less than 3%. Now some are over 4%—non-qualified accounts.…
For whatever reason, people seem fixated with interest rates. I blame Jimmy Carter and the high CD rates people enjoyed back then. We will probably never see those levels again, so get used to this new normal for interest rate levels.…
Even though the primary pricing mechanism for immediate income annuities is your life expectancy at the time you take the payments and interest rates play a secondary pricing role, people are still overly obsessed with trying to “time” the purchase.…
But right now, at the time of this blog, interest rates, because our friends at the FED and the Treasury, have raised them to a point where you have two choices when it comes to annuity income. And yes, my friends out there, there's more than one type of annuity.…
Jack Lenenberg: Long Term Care & Rising Interest Rates. Table of Contents. Get The. Annuity. Lifestyle. Magazine®. Get the latest and greatest annuity news delivered to your inbox every Saturday. Get Magazine.…
Interest rates play a secondary role. Interests rates play a secondary role. Interest rates play a secondary role. There is no perfect solution. Just really bad sales pitches. Interest Rates.…
The 14th biggest mistake I see people making with annuities is basing their decision to buy lifetime income on current interest rates. That is a huge mistake. You're missing the point. I get these calls all the time.…
I'm revved up today because the topic is live off the interest until you can't. What am I talking about? I'm talking about current interest rates. Look at the date of this beautiful blog that I'm doing. By the way, I'm Stan.…
How the Fed Reacted: Rising Interest Rates. So, inflation took off and then Fed Chairman Powell and his friends at the big marble table, with donuts and bagels we pay for, raised interest rates drastically. What happened after that?…
Nobody knows where interest rates are going to go. If you're out there, say, it’s tough to go up, Stan, and we all know it's essential to time they have to go up. I've been hearing that for five years now, and all I've seen is rates going down.…
You're getting a guaranteed interest rate. There are no moving parts. There are no market attachments. And then someone's saying, "No, no, no. Buy a ten-year indexed annuity, and there's a possibility that you're going to get a better rate."…
But we're at a place now where we have yet to see these types of guaranteed interest rates. And when I say guaranteed, I mean contractually. This isn't some pie-in- the-sky nonsense. Unicorns chasing the butterflies.…
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I often hear this from clients: “I’ll wait until interest rates go up before buying a SPIA.” While interest rates do play a role in pricing, life expectancy is the primary factor.…
Do they look at interest rates? Yes. Does it affect it a little bit? Yes. But it's not linear. People say, "Well, I just assumed, Stan The Annuity Man®, that when Chairman Powell raised rates that all companies would just fall in line and raise rates."…
Yes, I'm licensed in Kentucky, but I'm revved up today because the topic is "live off the interest until you can't." What am I talking about, Stan The Annuity Man? I'm talking about current interest rates. Look at the date of this beautiful blog.…
But right now, at the time of this blog, interest rates, because our friends at the FED and the Treasury have raised them to a point where you have two choices regarding annuity income. Yes, my friends, there's more than one type of annuity.…
Lifetime income products are priced primarily on life expectancy rather than interest rates. Insurance carriers adjust contractual guarantees based on age tranches. When a Retirement Income Portfolio May Be Used.…
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Do Interest Rates Matter for SPIAs? Yes, but not as much as people think. Most people believe they should “wait for higher interest rates” before buying an immediate annuity. But. life expectancy. is the primary pricing factor, not interest rates.…
Interest rates play a secondary role. Interest rates play a secondary role. Interest rates play a secondary role. The reason I repeat that over and over is that everyone thinks that interest rates drive the pricing train. No, no, no. It's life expectancy.…
Do interest rates play a role? Yes, secondary. Let's talk about that because that's what you're asking about, the exclusion ratio. So life expectancy is the primary pricing mechanism. And number two is interest rates.…
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Interest rates play a secondary role. It's simple and easy to understand. I always tell people if Warren Buffett ever needed an annuity, he'd only buy an Immediate Annuity because it's so easy to understand.…
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Comparing MYGA Interest Rates to SPIA Rates. Table of Contents. Get. Personal. Quotes. The Annuity Man® has 4 proprietary calculators and live feeds to provide the highest contractual guarantees available with all carriers. Get a Free Quote.…
Interest rates play a secondary role. Annuity companies have significant buildings for a reason. Because QLACs are a lifetime income product, they base that income stream primarily on your life expectancy, but there remains an interest rate component.…
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It's life expectancy-based, not interest rate-based. What About Interest Rates? Okay, so if you come to me and say, I'm not going to buy because interest rates are low, you don't get it. You don't understand it, and I haven't done my job.…
And these lifetime income streams are primarily based on life expectancy with interest rates playing a secondary pricing role with that income stream. Most people think it's all interest rates, but it's not. It's life expectancy.…
Anyway, but up until, I don't know, a few months ago, and actually at the time of this blog, looking back into the previous year, when interest rates did move significantly, you can now go to the sidelines and make money contractually.…
Interest rates play a secondary role. People always say, "Well, I don't want to buy an annuity right now because the interest rates are low." Low compared to what? Interest rates don't drive the pricing trend when talking about lifetime income.…
Immediate Annuities are primarily based on your life expectancy when you take the payment, with interest rates playing a secondary role. The good and bad of the decision he made—if interest rates go higher, payments might go up.…
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Life Expectancy, Not Interest Rates, Drives Income. Most people think. interest rates. drive annuity income. In reality, income is primarily based on your life expectancy at the time you take the payment. COLA riders or income increases simply shift the numbers.…
I'm not buying his lifetime income annuity because I'm waiting on interest rates to move.". Everybody does that. Chester's not alone. Everybody calls me and says something similar to that.…
