Fixed index annuities disadvantages

    • [PDF File]Fixed Index Annuity with Annual Reset Design

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      Fixed Index Annuities are not designed to compete with and should not be compared to a security or a direct investment in an Index fund. These results are not an indication that Fixed Index Annuities will outperform the S&P 500®. It is important to understand that the index credits for an FIA will not mirror the applicable index returns.

    • [PDF File]The long-term cost of short-term liquidity

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      The long-term cost of short-term liquidity Short-term interest rates may seem attractive to those who don’t want to lock into anything long term — But this could end up costing you over time. Below we compare two fixed rate products to a fixed index annuity using the Point-to-Point Cap Index Strategy (PCI) over a ten year period.

    • [PDF File]Understanding Annuities: A Lesson in Fixed Interest and ...

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      linked to a market index, indexed annuities have the potential to earn returns better than fixed interest annuities when the stock market is rising. You could, however, lose money on your investment if the issuing company does not guarantee 100% of the principle and you receive no index-linked interest

    • [PDF File]WHY PURCHASE A DEFERRED FIXED ANNUITY IN A RISING INTEREST ...

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      fixed-income portion of an investment portfolio. We compare bonds with deferred fixed annuities. Each approach has advantages and disadvantages to be discussed. The analysis will make clear that the potential role of deferred fixed annuities may be underappreciated when interest rates are low, even assuming interest rates do rise in the future.

    • Allianz Life Insurance Company of North A Current rates for ...

      Precision Rate or the DPSC if the change in index value from one Index Anniversary to the next is greater than or equal to zero. This material must be preceded or accompanied by a current prospectus for Allianz Index Advantage. Variable Annuity and the Index Advantage client brochure (IXA-002).

    • [PDF File]LONGEVITY - Redesigning Long Life

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      Annuities are one viable method to deliver guaranteed lifetime income to retirees, but not many older workers buy annuities on their own. And many employers are reluctant to offer annuities in their DC plans. Furthermore, many employers worry about accepting fiduciary liability when designing and implementing any retirement income solution.

    • [PDF File]A Powerful Solution for Your Retirement Accumulation Needs

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      Important information on CDs, Fixed Annuities, Stocks and Bonds: CDs, fixed annuities, stocks and bonds have different objectives, risk tolerance levels and time horizons than index annuities. For example, CDs offer a fixed rate of return and FDIC insurance backed by the full faith and credit of the U.S. government.

    • [PDF File]Flexible Premium Deferred Annuity - The Standard

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      of excellent fixed annuity performance and renewal rates. The initial interest rate is guaranteed to remain level for one year on each deposit. After the rate guaranteed period your client will receive renewal interest rates based on current market conditions. And the interest rate is

    • [PDF File]The Structured Variable Annuity

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      Some new variable and index-linked annuities offer simplified guarantees with limited downside protection; the policyholder pays for this protection with a limited upside. These products effectively provide policyholders access to an equity index with \ an option pass-through.

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