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We’ve heard about the importance of diversification, but what does that really mean? Traditionally, people’s portfolios were allocated in some percentage between equities and bonds. As people grew older, the percentage that was allocated towards bonds increased as a percentage. That worked for many people, but fortunately, what’s happened over the last few years, and…
InForce™ income payments available from an existing policyholder of Connecticut General Life Insurance Company for purchase at a discount really fit their particular needs. The income payments start at $3000/mo in 12 years and in the 17th year increase to $8000/mo for 20 payments totaling $340,000. At an interest rate of 4.90%, the purchase price…
Immediate annuities are a great choice when looking for a way to secure your financial future but they are not right for everyone. Here are 3 tips to help you decide if an immediate annuity is the right choice for you and your family: Age If you are very close to retiring or have already…
In-Force™ Fixed Term Annuity available from an existing policyholder of New York Life at a discount.. The payments start now at $847.00 each month, increasing each year by 3%, so that by the last payment in the 25th year the payments have reached $1828.70 per month for total payments of $394,126. At an interest rate of 5.25%,…
Choosing an annuity can be difficult. There is so much to know and learn about and it can all seem like it is over your head. Having a trusted advisor that can help you in determining what is best for you can be priceless. Whomever you choose as your advisor should be knowledgeable, communicative, and…
DECEMBER 11, 2013 BY JOHN BULBROOK You have worked hard through your lifetime building up assets. Now you need to take precautions to protect those assets. If you are considering purchasing a Pre-Owned Annuity™ you need to find one that meets your needs. Your financial situation could change over time, so it is important that…
As the year comes to a close, it is time for you to take a look at the financial choices you have made and see if they are still working for you in light of any life changes you have had. Did you know that annuities add value in addition to supplementing your retirement income? …
When you buy a secondary market annuity, you are buying the rights to contractually guaranteed payments to you, and the issuing insurance company retains full ownership of the annuity. In order for you to buy the rights to the payments, a judge has to approve this contractual change of annuity benefits. The issuing insurance company…
by Carolyn Ellis Ms. Ellis is Features Editor for LIFE&Health Advisor. Connect with her by e-mail: cellis@lifehealth.com John Bulbrook is CEO of Bulbrook/Drislane Brokerage, a Wellesley, MA., wholesaler of life and annuity products. We talked with John about secondary market annuities, new to the retail arena for the safe money portion of a client’s portfolio. …
