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| Retirement Income Options 09/17/2011 Saving money is simple, in theory, yet in execution it is never easy. If it were simple and easy to save money, there would be no need for banks and lending institutions to give credit cards, lines [ ... ] |
Fixed Annuity – Guaranteed Income. For Life. 09/02/2011 Fixed Annuity – Guaranteed Income. For Life. There are very few guarantees when it comes to investing. But when you’re planning for the long term, a guarantee might be exactly what [ ... ] |
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| Insuring Your Retirement Income |
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If you are like most people in America you own some sort of insurance. Whether you own, car insurance, home owners insurance, renters insurance, health insurance, dental insurance, vision insurance, pet insurance, life insurance, disability insurance or even long term care insurance and that’s just to name few . The question I ask myself as a Financial Planner is why don’t people insure a portion of their retirement income? After all there are few things more precious in this life than independence. Having a sustainable level of income provides us with the independence that we during retirement. It makes it so that we don’t have to move into government assisted housing or rely on our children to take care of us. Annuities have received a bad rap over the last few years for being high priced having long surrender charges etc. But there is nothing else in the world that can provide the same benefits as an annuity. An immediate annuity for example will provide you with guaranteed income for as long as you live based off an initial payment or deposit. This can provide you with two things, peace of mind that you have a sustainable level of income that will never go down and that you never have to worry about outliving. For example a retiree age 60 with $500,000 in savings may elect to purchase a $200,000 immediate annuity which would provide him with $1,400 per month for the rest of his life; how is that for piece of mind? Given everything that is going on right now, low interest rate and stock market volatility having something that is guaranteed and insured is a refreshing feeling. Regardless of whether you looking for the best fixed and guaranteed rate available for your investment dollars or you are seeking a lifetime of income, choosing the correct annuity can be a challenging decision. At Annuity Rate Shopper we have helped thousands of folks just like you determine which Annuity is best for their unique situation. Please give us a call or fill out our contact form and one of our annuity specialists will be happy to assist you. Annuity Rate Shopper |