Posts tagged as:

Annuities

Featured Article: Annuities – What’s in a name?

by TheProAdvisor on August 31, 2012

This article written by Ryan Pinney (TheProAdvisor) for Life Insurance Selling magazine.  To see the entire article click on the logo below: http://www.lifeinsuranceselling.com/Exclusives/2011/6/Pages/Annuities-Whats-in-a-name.aspx Article Summary: Unfortunately, on a daily basis, people in the financial services industry use terminology, descriptions and explanations that make their jobs harder.   With every word used to describe services, planning concepts […]

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Higher Taxes and Reduced Benefits are Your Future

by TheProAdvisor on October 19, 2010

I want you to honestly ask yourself two questions: First, are taxes likely to be higher or lower in the future? Second, are government benefits likely to be larger or smaller in the future? I think most Americans would agree that based on the current economic situation and government spending, that taxes must rise in […]

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Feature Interview – How to salvage your retirement accounts

August 2, 2010

Radio interview with Chicago’s Money Smart Radio program and host Matthew Sapaula – Interview starts at 9:59 and runs about 10 minutes. To hear the entire interview click on the logo below: (Note the interview date is 6.11.2009 – make sure you click the right date.) Interview Summary – Not sure how to salvage what […]

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Qualified, Non-qualified, and ROTH – What’s the Difference?

August 26, 2009

When it comes to investments, there are generally two types – Qualified and Non-qualified.  So what exactly do these two terms mean?  They specifically relate to the tax treatment of the investment, or in simpler language, how the investment is taxed. A Qualified investment is one where the taxes on the invested dollars and interest […]

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Fixed, Variable, or Indexed – Which Is Right For You?

August 4, 2009

In today’s complex world of insurance, annuity, and investment products – three terms are thrown about without much explanation: Fixed, Variable and Indexed.  These terms define how interest is credited or earned on the investment. Unfortunately, many advisors routinely fail to present all three as valid investment choices for their clients because they are unable […]

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Index Reset Period

August 3, 2009

Index Reset Period – The period that a cap or participation rate applies to an Indexed investment.  Generally an annual or monthly period and described as an Annual point-to-point or Monthly point-to-point.  They can also be Annual or Monthly Averages.

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Cap Rate

August 3, 2009

Cap Rate – Normally relating to Indexed investments, it is the maximum percentage of growth in a particular stock or Index that the owner of the investment can benefit from.  An example of this would be an investment with a 8% cap rate on the S&P 500 Index.  If the Index were to grow by […]

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Participation Rate

August 3, 2009

Participation Rate – Normally relating to Indexed investments, it is the percentage of growth in a particular stock or Index that the owner of the investment gets to benefit from.  An example of this would be an investment with a 50% participation rate on the S&P 500 Index.  If the Index were to grow by […]

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Investment Load

August 3, 2009

Investment Load – A load is a fee paid to purchase or sell a specific investment. It is expressed as a percentage of the amount invested and is most often used when discussing mutual funds or variable annuities.

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Call Option

August 3, 2009

Call Option – The buyer of a call option wants the price of the underlying instrument to rise in the future; the seller either expects that it will not, or is willing to give up some of the upside (profit) from a price rise in return for the premium (paid immediately) and retaining the opportunity […]

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