Advisor selection, the CAA designation, fee models, and red flags.
Ask four things before anything else: how are you paid, how many carriers can you quote, what is your license and designation, and what does this…
Most annuities are not investments in the usual sense. They are insurance contracts that transfer risk to a carrier, so judging one on growth is judging…
Annuity fees depend entirely on the product. A plain fixed annuity or MYGA usually has no explicit annual fee, because the carrier's costs are built into…
You should consider an annuity if you have a specific pile of money with a long timeline, an income gap that guaranteed payments would close, and…
The clearest carrier red flags are a financial-strength rating below the "excellent" tier, a recent downgrade or a negative rating outlook, a NAIC complaint index well…
The first call with an annuity advisor is a discovery conversation, not a sales pitch. A good advisor spends it asking about your income, goals, and…
Most annuity advisors are paid one of two ways. Commission-based agents are paid by the insurance company when you buy, with that cost built into the…
CAA stands for Certified Annuity Advisor and CAS stands for Certified Annuity Specialist. They are two separate annuity designations from two different issuing bodies, both listed…
To find a Certified Annuity Advisor near you, verify the credential before you worry about the map. Check the person by name in the public CAA…
A Certified Annuity Advisor (CAA) is an insurance professional who has earned a designation focused specifically on annuity suitability, disclosure, and ongoing training. Unlike a self-applied…
Bring your goal, your questions, or an illustration someone handed you. A Certified Annuity Advisor compares real products for your situation and explains plainly what does and doesn't fit, so you leave with clarity instead of a pitch.
Call answered by a licensed advisor, with a follow-up in under 60 seconds during business hours.
