I Love Annuities

We cover record sales numbers in 2025 and discuss what attributes are leading to more retiring is buying annuities.

This episode of the I Love Annuities Podcast, Jeremiah and Zach, the Annuity Dudes, break down how annuities are taxed in retirement. Discover what annuity exclusion ratios are, how Fixed Index Annuities are taxed, how annuity death benefits are taxed for spouses and non-spouses and much more. #Annuities #FixedIndexAnnuities #RetirementPlanning #LifetimeIncome #RetirementIncome #SPIA #DIA

We discuss laddering annuities, a strategy for maximizing retirement income and managing interest rate risk. Explore how to create a personalized retirement plan that delivers income when needed, focusing on MYGAs and fixed index annuities. #Annuities #RetirementPlanning #FinancialPlanning #MYGA #FixedIndexAnnuities #RetirementIncome #Laddering #FinancialFreedom #InvestmentStrategy #AnnuityDudesSchedule Free Annuity Discovery Meeting: https://annuityassociation.chilipiper.com/concierge-router/link/annuity-association-1st-appointment-routing?utm_source=youtube

Request Free Annuity Report: https://annuityassociation.com/podcast-annuity-report

We explore how cognitive aging impacts finances! Discover the financial risks, like scams & poor decisions. Learn how annuities, legal protections, & family involvement can safeguard your future & avoid becoming a burden. Secure your retirement now! #CognitiveDecline #RetirementPlanning #FinancialSecurity #AnnuityAdvice #SeniorFinances #FinancialLiteracy #ProtectYourAssets #EstatePlanning #RetirementIncome #FinancialFreedom

In this episode, we explore how today’s shifting economic forces—interest rates, market volatility, and inflation—shape annuity payouts, income guarantees, and your overall retirement strategy. You'll learn how annuities are linked to the 10-Year Treasury, how insurance companies invest premiums into bonds, and how Fixed Index Annuities (FIAs) use options budgets to deliver growth with principal protection.We’ll walk through:The correlation between annuities and interest ratesHow carriers’ bond portfolios support guaranteed incomeWhat the 10-Year Treasury tells us about timing annuity purchasesHow FIAs build index-linked growth potential without risk of lossWhy inflation matters and how to build a resilient retirement income plan👇 Timestamps00:00 – Intro: New music and adapting to change01:00 – Economic shifts and their retirement impact03:00 – Why the economy matters more in retirement07:00 – Interest rates & annuity income correlation10:00 – What the 10-Year Treasury tells us13:00 – How insurance carriers invest annuity premiums16:00 – Options budgets in Fixed Index Annuities (FIAs)20:00 – Real example: 2020 vs. 2024 annuity payouts23:00 – Market volatility & sequence of returns risk27:00 – “Zero is your hero” and market downside protection30:00 – Inflation and how it affects annuity income33:00 – Ways to keep pace with rising costs36:00 – How to time annuity purchases strategically39:00 – Using the Multi-Point Annuity Inspection & Assurity Score42:00 – Final thoughts & how to get in touchSchedule Annuity Discovery Zoom Meeting: https://annuityassociation.chilipiper...Request Free Annuity Rates Report: https://annuityassociation.com/podcas...

Are you prepared for the high cost of long-term care? In this must-listen episode, we explore how annuities with enhanced income benefits can protect your retirement and provide a lifeline for long-term care needs. Featuring Matt Sluizer, a leading expert in long-term care annuity strategies, we break down:✅ How Fixed Index Annuities (FIAs) offer LTC multipliers and income riders✅ Key benefits of OneAmerica’s Annuity Care and Asset Care products✅ Why Global Atlantic’s ForeCare Annuity stands out for LTC planning✅ Essential tips for planning and leveraging your assets for long-term careIf you’re approaching retirement and want guaranteed income, protection, and peace of mind, this episode is for you!⏱️ TIMESTAMPS00:00 – Introduction: Meet Matt Sluizer & Today’s Topic03:10 – Why Long-Term Care Planning is Crucial for Retirees07:45 – Fixed Index Annuities with Enhanced Income for LTC Needs15:30 – Deep Dive: OneAmerica’s Annuity Care and Asset Care Products24:20 – Global Atlantic’s ForeCare Annuity Explained33:50 – Key Takeaways: Planning Ahead for Long-Term Care38:15 – Outro: Final Thoughts & ResourcesWant a second opinion on your annuity contract? Let The Annuity Dudes give it a no-fluff inspection.Schedule Annuity Discovery Zoom Meeting: https://annuityassociation.chilipiper.com/concierge-router/link/annuity-association-1st-appointment-routing?utm_source=podcastRequest Free Annuity Rates Report: https://annuityassociation.com/podcast-annuity-reportlong term care,retirement income,retirement income planning,retirement planning,annuities,long term care annuity,what is a long term care annuity,long term care annuity how do ltc riders work,long term care annuity pros and cons

Learn how to pick the best annuity provider for your retirement. We’ll cover how to interpret carrier ratings from A.M. Best, S&P, Moody’s, and Fitch. Discover the most trusted ratings, and how to use the NAIC website to check a company’s financial health, history, and complaint record. Perfect for retirees and pre-retirees seeking a secure, guaranteed income stream.⏱️ Timestamps:0:00 Intro2:00 Why Choosing the Right Carrier Matters7:00 Understanding Carrier Ratings18:00 Most Trusted Ratings25:00 How to Use the NAIC Financial Overview35:00 Red Flags & Takeaways42:00 ConclusionWant a second opinion on your annuity contract? Let The Annuity Dudes give it a no-fluff inspection.Schedule Annuity Discovery Zoom Meeting: https://annuityassociation.chilipiper.com/concierge-router/link/annuity-association-1st-appointment-routing?utm_source=podcastRequest Free Annuity Rates Report: https://annuityassociation.com/podcast-annuity-report

Understanding an annuity contract is crucial to making the right retirement decision. In this episode, Jeremiah and Zachary—The Annuity Dudes—dissect the anatomy of an annuity contract. From lifetime income to protected growth, they cover all the fine print: guarantees, riders, surrender periods, index crediting strategies, and your all-important free look period.🎯 Whether you're planning to protect your nest egg or create a guaranteed retirement paycheck, this episode is your go-to guide for inspecting annuity contracts like a pro.Want a second opinion on your annuity contract? Let The Annuity Dudes give it a no-fluff inspection.Schedule Annuity Discovery Zoom Meeting: https://annuityassociation.chilipiper.com/concierge-router/link/annuity-association-1st-appointment-routing?utm_source=podcastRequest Free Annuity Rates Report: https://annuityassociation.com/podcast-annuity-report⏱️ Timestamps0:00 – Intro: Why annuity contracts matter more than brochures2:00 – What is an annuity contract really?4:45 – Owner, annuitant, beneficiary: Who’s who in your contract7:00 – Accumulation vs. income phases9:20 – The section on guarantees: where the promises live12:30 – Contractual strategies for protected growth (FIAs)15:10 – Income annuities: irrevocable decisions & payout guarantees18:00 – The role of riders: income, death benefit, LTC21:00 – Surrender periods, withdrawal rules, and penalty traps24:00 – Free look period: your right to inspect and cancel27:00 – Multi-Point Annuity Inspection™ checklist explained32:00 – Common mistakes to avoid in the contract35:30 – Real examples and red flags to watch for40:00 – Final thoughts: Trust the contract, not the hype42:00 – Outro & how to get your contract reviewed

In this episode of the I Love Annuities Podcast, Jeremiah Konger and Zachary Van Es — The Annuity Dudes — break down everything you need to know about how index crediting strategies work in Fixed Index Annuities (FIAs).Learn the difference between annual point-to-point, monthly averaging, volatility-controlled indexes, and more. We’ll simplify key terms like cap rate, participation rate, spread, and give you real-world insight into how these strategies can shape your annuity performance.📊 Whether you’re evaluating a fixed index annuity or already own one, this is the guide you need to make smarter, more confident decisions.✅ Don’t forget to like, subscribe, and turn on notifications so you never miss an episode!⏱️ Timestamps0:00 – Intro: Why Index Crediting Matters2:15 – What is an Index Crediting Strategy?5:30 – Common Crediting Methods Explained11:45 – Understanding Key Terms: Cap, Participation, Spread17:05 – The Different Types of Indexes (Traditional vs. Vol-Controlled)21:20 – How to Evaluate and Compare Crediting Strategies26:10 – Strategy Terms, Fees, and Multi-Year Lock-ins29:00 – Final Thoughts & What to Watch ForSchedule Free Annuity Discovery - https://annuityassociation.chilipiper.com/concierge-router/link/annuity-association-1st-appointment-routing?utm_source=podcastRequest Free Annuity Report - https://annuityassociation.com/podcast-annuity-report

Think annuities are bad? Think again. In this episode, we bust the biggest annuity myths you’ve seen online — especially the ones pushed by Fisher Investments and other anti-annuity voices. If you’ve ever been told annuities are too expensive, too complex, or a scam… this episode is for YOU.We cut through the noise and give you the real story, including when annuities actually make sense in your retirement plan.🔎 Timestamps:00:00 – Intro: Why annuities are under attack02:00 – Myth #1: “Annuities have high fees”06:00 – Myth #2: “They’re too complex”10:00 – Myth #3: “You lose access to your money”14:00 – Myth #4: “Annuities are only for the old or rich”18:00 – Myth #5: “You’ll get better returns in the market”22:00 – Who’s behind the anti-annuity movement? (Fisher Investments)26:00 – When annuities actually make sense29:00 – Wrap-up + Multi-Point Annuity Inspection✅ LIKE this episode if it opened your eyes✅ SUBSCRIBE to never miss an episode✅ Visit http://annuityassociation.com to compare annuities with zero pressureSchedule Free Annuity Discovery Meeting: https://annuityassociation.chilipiper.com/concierge-router/link/annuity-association-1st-appointment-routing?utm_source=podcastRequest Free Annuity Report: https://annuityassociation.com/podcast-annuity-report