Annuity Straight Talk
  • 1-800-438-5121
  • Home
  • About
  • Contact
  • Annuities
    • Annuities Explained: How Annuities Work
    • Secondary Market Annuity Availability
    • Fixed Annuity
    • Variable Annuity
    • Fixed Index Annuity
    • The Hybrid Annuity
    • Immediate Annuity
    • Annuity Resources
    • Retirement Calculators
  • Pensions
  • Secondary Annuities
  • Blog

How Safe is the Secondary Market for Annuities?

By Bryan On February 12, 2012 · Leave a Comment · In Annuity and Retirement Income Articles

The question of safety of the Secondary Market is one  we receive frequently, especially after sending out a list of currently available offers that pique reader interest.

Quite simply, we like  structured settlement secondary annuities  because  they offer the highest yield and highest level of safety available to consumers for retirement income purposes.  They are [...]

Continue Reading

What Happens if Your Insurance Company Fails? CBS News

On February 11, 2012 By Bryan

The economic climate of the past few years has caused consumers to question the certainty of nearly every type of investment product. Doubt is frequently cast toward insurance companies because of their position in the financial framework of our economy in addition to the number of spectacular failures in the banking industry, as mentioned in [...]

Continue Reading

Low Rates Expected Until 2014

On January 30, 2012 By Bryan

Arguably the most damaging effect of low interest rates is the impact it has on people approaching retirement and looking for more safety. Traditional safe havens such as CDs pay very little interest in relation to the time commitment required. And I’ll admit that selling annuities in this climate is challenging to say the least.

[...]
Continue Reading

Calculating Yields in the Secondary Market

On January 30, 2012 By Bryan

Nearly every time we send out an email with new secondary market annuity offers, several inquiries come back with people asking how the return is calculated.

The first resource is one from the vault- a piece we wrote several years ago that is just as accurate today- Which 10% Do you Want?

For [...]

Continue Reading

On Cashing Out In Retirement

On January 12, 2012 By Nathaniel

The tools used to maximize pre-retirement asset accumulation are not the tools of retirement  income generation.  Maximizing retirement income is just outside the scope of expertise  for most traditional advisors and individuals because  of the biggest unknown: life expectancy.

An  individual seeking to maintain full control over their money, and setting their own withdrawal rate, [...]

Continue Reading

The $440 Billion Pension Gap

On December 5, 2011 By Nathaniel

This distressing article highlights the issues pensions face meeting their promises to retirees.  According to the article, 14% of the nations workforce still participates in some sort of employer sponsored, defined benefit plan.  Yet, "The third quarter 2011 was the second worst in history for pension liabilities," due primarily to unrealistic assumptions and enduring low [...]

Continue Reading

Secondary Market Annuities Are Not Viaticals

On November 27, 2011 By Nathaniel

At Annuity Straight Talk we encourage you to learn all you can about annuities so you can independently verify what we recommend, or what any advisor you chose to work with presents you for consideration. As many know, we often recommend Secondary Market Annuities as a very high credit quality alternative for investors seeking a [...]

Continue Reading

Re-Sale of Pension Income- Wall Street Journal

On November 25, 2011 By Nathaniel

A recent article in the Wall Street Journal revealed another secondary marketplace- that of secondary pension re-sales.

This is a relatively new but growing industry that seems to be skating a fine line of laws.  It's our understanding that ERISA- the laws that govern pensions- prohibit this sort of transaction.  We're not experienced in this [...]

Continue Reading

Rest Easy in A Crazy Market

On November 7, 2011 By Nathaniel

Just how much volatility can you take?

The stock market swings are just sickening- it's become so wild that you almost want to laugh, until you realize it's people's life savings in the death throes. Massive evaporation of wealth in an afternoon, followed by a roaring rally to bring us back to square one…

Continue Reading

Why I’m Bullish On America!

On October 31, 2011 By Bryan
In recent years, people let fear dictate their financial management decisions. Much of the news today is filled with stories of crisis after crisis. Any rational person should hesitate when making a financial decision that holds significant implications over the next several years or even decades.   But this week I’d like to take a break from [...]
Continue Reading

Funding The Post Pension Retirement- Wall Street Journal

On October 24, 2011 By Nathaniel

The weekend Wall Street Journal brought us another piece that underscores the need for stable lifetime income in retirement.   Fewer and fewer people retire with employer pensions, yet we all must plan for retirement that may stretch into our 90's or longer.  The article says:

Far more people will retire without pensions and will need [...]

Continue Reading

Don’t Join The Ostrich Generation: Wall Street Journal

On September 17, 2011 By Nathaniel

Yet another superb article for Annuity Straight Talk readers on retirement planning.  Some of the highlights:

50% of people age 45 and up have not calculated their savings needs

25% of people now 65 will live to age 96

62% of married couples disagree on when to retire.

These and other statistics in the article [...]

Continue Reading

Family Feuds: The Battles Over Retirement Accounts: Wall Street Journal Article

On September 8, 2011 By Nathaniel

This alarming article in the Wall Street Journal is an eye-opener.  401K and ERISA rules are complicated- I find it astounding that even after specifying your children as your 401K beneficiary in the plan docs and in writing, that your wishes can be thrown out in court and your assets awarded to a second spouse [...]

Continue Reading

Case Study- Is A Fixed Index Annuity The Right Tool For This Job?

On September 4, 2011 By Nathaniel

This post is one of a series of questions and answers from our readers who are seeking the right annuity for their needs.

This came in via email:  This reader listed the following parameters for their desired annuity;
 

1. An annuity that keeps 100% of my principle investment for my children.

2. [...]

Continue Reading

Why This Crisis Differs From the 2008 Version- Great Wall Street Journal Piece

On August 10, 2011 By Nathaniel

This tumultuous week brings an excellent piece of commentary from the Mr Guerrera of The Wall Street Journal on the origins of the current financial crisis. 

Isn't it depressing that we have yet another crisis to contend with?  That may be a topic for another post, however…

With market gyrations in overdrive, it's a great [...]

Continue Reading

Will Interest Rates Go Lower? Huffington Post Article …

On July 26, 2011 By Nathaniel

Fundamentally, do you think we are in a dire economic period that is likely to endure and drag on for a long time….

….A period marked by stagnation, and high corporate profits, yet rising unemployment, higher taxes, and fewer opportunities… 

….And topped with continued constipation in credit markets and corresponding tight credit and low growth [...]

Continue Reading

Great Short-Term SMAs Available Now!

On June 27, 2011 By Bryan
From what I’ve heard, the information shared over the last few weeks regarding the secondary annuity market has helped several people gain a greater understanding of this product class. Stepping into a little-known niche of the financial markets is a major transition for anyone. Understanding all that goes into a serious financial commitment is essential to making [...]
Continue Reading

The Best Annuities- Barrons Top 25 Picks

On June 27, 2011 By Nathaniel
Asset Allocation Image via Wikipedia Annuities are making news again and last week Barron’s decided to outline the reasoning consumers use to justify a purchase.  It’s all about safety for those who have experienced shocks in the market.  The related article also gives a list of the five best annuities in each of five categories.  [...]
Continue Reading

Secondary Market Annuities In Corporate Finance

On June 20, 2011 By Nathaniel
The secondary market for annuities is traditionally the secret domain of large corporations. With annual distribution of around $700 million it is one of the smaller financial offerings available. A recent press release offers a glimpse of how financial institutions use these secondary deals to profit.   This press release talks about how J.G. Wentworth, one of [...]
Continue Reading

Is the Secondary Market Too Good To Be True?

On June 13, 2011 By Bryan
A fair number of people who have requested more information about the secondary annuity market have cast it aside as ‘to good to be true.’ Many other advisors might mention they have never heard of this market. I was personally in the same place six months ago. In order for me to become comfortable enough to recommend these [...]
Continue Reading

Is Someone Telling You to Surrender Your Annuity… and Buy a Different One?

On June 12, 2011 By Bryan
This article made me realize I need to make consumers aware of a potential financial hazard. Last week a press release came out describing how two Registered Investment Advisors in Illinois were penalized for recommending the replacement of existing annuity contracts. The transactions made these advisors a substantial amount of commission and were later found to be [...]
Continue Reading
← Previous Entries
  • We respect your email privacy

    Or, you can Connect with Facebook
  • Recent Posts

    • How Safe is the Secondary Market for Annuities?

      The question of safety of the Secondary Market is one  we receive frequently, especially after sending out a list of currently available offers that pique reader interest.

      Quite simply, we like  structured settlement secondary annuities  because  they offer the highest yield and highest level of safety available to consumers for retirement income purposes.  They are [...]

      Read Full Post

    • What Happens if Your Insurance Company Fails? CBS News

      The economic climate of the past few years has caused consumers to question the certainty of nearly every type of investment product. Doubt is frequently cast toward insurance companies because of their position in the financial framework of our economy in addition to the number of spectacular failures in the banking industry, as mentioned in [...]

      Read Full Post

    • Low Rates Expected Until 2014

      Arguably the most damaging effect of low interest rates is the impact it has on people approaching retirement and looking for more safety. Traditional safe havens such as CDs pay very little interest in relation to the time commitment required. And I’ll admit that selling annuities in this climate is challenging to say the least.

      [...]

      Read Full Post

    • Calculating Yields in the Secondary Market
    • On Cashing Out In Retirement
    • The $440 Billion Pension Gap
    • Secondary Market Annuities Are Not Viaticals
    • Re-Sale of Pension Income- Wall Street Journal
  • Visitor Feedback

    "I did get the “Variable Annuities With Guaranteed Lifetime Withdrawal Benefit. Get the Facts before you Invest”. It is a fantastic report, very well written and much easier to understand than any similar report I’ve seen. Job well done. Thanks." Jim K.

    Thank for your adroit analysis of annuities. Finally, a decision making tool that is designed for those who are trying to make prudent financial decisions regarding retirement. Ron P. DeFuniak Springs, Fl

    Subject: Brilliant Article, Bryan Thank you for your clear headed analysis of the GLWB. I was just informed about this route to consider... and I just came circling back to what the underlying foundation was, and if it seemed to good to be true (as you pointed out) and if the upside was very good. I'm just beginning this process of investigation and really appreciate your candid, honest and informed article Karen, Ezine Articles Comment

    Subject: The Annuity Report:
    BRIAN, I READ IT IN IT'S ENTIRETY, IT IS GREAT, I AM SO GLAD TO HAVE THIS REPORT, THANK YOU EVER SO MUCH. HOWEVER, I HAVE SAVED IT IN FILE TO READ AGAIN. IT'S LIKE READING THE BIBLE FOR THE FIRST TIME, YOU MUST READ IT OVER AND OVER. Paul D. Houston, TX

    Subject: Retirement Analysis:
    In a word, your advice and profile looks... "SOLID" to me and in sync with my current situation and long-term goals. I am excited to find someone with your background whom I feel is giving me the straight scoop (for MY benefit) Don S. Dallas, TX

  •  

  •  

New Hampshire Man Arrested For Firing Gun Into Ground While Catching Suspected Burglar | Fox News http://t.co/AwXaJTSb via @foxnews  — annuitywizard
Annuity Straight Talk

Pages

  • Retirement Income… The Right Way
  • Private Pension Income
  • Blog
  • Sitemap
  • About Us
  • Contact Us

The Latest

  • How Safe is the Secondary Market for Annuities?
    The question of safety of the Secondary Market is one  we receive […]

More

© 2010 Annuity Straight Talk.com
Privacy Policy
Terms and Conditions
DMCAN Notice
Anti Spam Policy
External Links Policy
PageLines by PageLines