Not Your Average Financial Podcast™

Episode 451: Refinance Your Retirement – An Important Update on Annuities

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In this episode, we ask:

  • Do you need the latest and greatest?
  • Are you rocking a flip phone?
  • How have interest rates affected crediting rates, caps and guaranteed lifetime income streams?
  • Did you buy a contract in the low rate years?
  • What are the new contracts offering with higher interest rates?
  • Is it smart to run the numbers?
  • What other everyday financial products need review?
  • What is the insurance industry’s answer to a CD?
  • What about income annuities?
  • Is it time for an annuity refresh?
  • Is it costly to shop around?
  • What about fixed index annuities from 2005-2020 or so?
  • What is the upside potential?
  • Are interest rates the whole story for annuity products?
  • What are the better caps and spreads?
  • What never runs out?
  • What is the bottom line?
  • How about an example?
  • What happened with inflation?
  • Should all annuities be replaced?
  • What is a surrender charge?
  • Is the surrender charge worth it?
  • Does the contract’s new features benefit you?
  • Is the old one better?
  • Has the interest rate environment changed in your favor?
  • Is this worth a fresh look?
  • What are the key takeaways?

    • ...more
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