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Fixed and Indexed Annuities

The Top 3 Sources of Guaranteed Retirement Income


In December 2009, the Hartford Life Insurance Company conducted a study titled, The Hartford Investments and Retirement Survey. The goal of the survey was to come up with a better understanding of the retirement needs, concerns, and perceptions of consumers in the U.S., particularly the Baby Boomer demographic. The results? “Retirement and/or financial planning is viewed as too complex or …

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Today’s Retirement Reality: Dream or Nightmare?


As the last of the Baby Boomers celebrate their 50th birthday this year, a recent Wells Fargo survey added to what is already a very bleak picture for many of these pre-retirees.  As they prepare for what could be up to one third of their lifetime in retirement, the picture-perfect dream of life after work is becoming a nightmare reality …

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Why Insurance Industry Is Crucial for Americans: Dennis Glass


By James L. Green, September 30, 2014 Speaking at IRI conference, Lincoln Financial Distributors’ CEO says the retirement readiness gap provides a big opportunity for the industry Kicking off the Insured Retirement Institute’s second annual conference on Monday, Dennis Glass, CEO of Lincoln National Corp., made the case for life insurance and annuities in general. He said the industry now …

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US Insurance Group First to Offer Commercial Bitcoin Coverage


By Sabina Laska, June 8, 2014 A major US insurance company, the Great American Financial Group, has become the first in the sector to offer Bitcoin coverage to commercial and governmental clients. The company said Monday that its fidelity and crime division is already offering coverage in some US states and pending approval in others, as part of a drive …

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10 Reasons Annuities Make Sense for a Portion of a Retirement Plan


With life expectancies greater than ever, retirement could very likely be the longest phase of our clients’ lives. Therefore, it is absolutely imperative for retirees to have a plan in place that: Provides the ability to spend and enjoy their money in retirement Protects them from “living too long” and outliving their income Since retirement income planning is an extremely …

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Annuities Are Not for Everyone!


If you have been selling annuities for more than 10 years, you may be sitting on a goldmine. I would bet the farm the majority of the seniors that own those annuities do not even take the interest on the gains, as we all know annuities were designed for income! In fact the majority of clients knew way back on …

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62 Is the New 65: Selling Annuities


With unemployment hovering around 9 percent, and underemployment well over 20 percent, millions of Americans have been forced into hunting for new sources of income. The recession is particularly difficult for older workers, who find it more difficult to find work where employers favor younger hires with the potential of longer tenures with the company.   The result: The emergence …

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