The rate environment, CD and bond comparisons, and MYGA laddering.
The pros of a MYGA are a fixed rate locked for the full term, no market risk to principal, tax-deferred growth on non-qualified money, and rates…
An annuity rider is an optional contract amendment that adds a feature to a base annuity, usually for an annual charge. The most common are income…
A fixed annuity is an insurance contract that pays a declared interest rate for a set period, with no market risk to principal. The insurer credits…
A variable annuity is a tax-deferred insurance contract whose value rises and falls with investments you select, called subaccounts. It is the only annuity type with…
A RILA, or registered index-linked annuity, is an insurance contract whose growth tracks a market index with a defined amount of downside protection built in. A…
A fixed index annuity is an insurance contract that credits interest based on the movement of a market index, such as the S&P 500, with a…
A MYGA, or multi-year guaranteed annuity, is a fixed annuity that pays one set interest rate for a set number of years, usually 2 to 10.…
A surrender charge is a fee the insurer takes if you pull money out of an annuity early, before the contract's surrender period ends. It usually…
A MYGA is a type of fixed annuity, so the two overlap. The difference is the rate lock. A MYGA (Multi-Year Guaranteed Annuity) guarantees one interest…
An annuity and a mutual fund do different jobs. A mutual fund is a growth engine: your money is invested in the market, with real upside…
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