In the past, annuities have been misunderstood as complex investment vehicles. After all, they’re known for their high commissions and opaque fees. Furthermore, these commissions often line the ...

Learn how charitable remainder annuity trusts (CRATs) work, providing fixed income to beneficiaries and tax benefits while ...

Life insurance policies and annuities are both tools that help ensure future financial security. While they have some similar characteristics, there are also some important differences. Understanding ...

When you buy an annuity, you are basically doing one thing: turning a lump sum of money into a regular income. That income can be monthly, quarterly or yearly, and in many cases, it lasts for the rest ...

With the chosen index, interest crediting will generally be based on a formula that can include floors, caps, participation rates, spreads, and, less commonly, buffers. To explain these basic features ...

Not all financial products are created — or regulated — equally. Stocks and mutual funds fall under federal securities laws, while savings accounts benefit from FDIC protection. But annuities? They’re ...

Older Americans and younger boomers may find themselves bombarded with ads for annuities. Annuities are a $200-billion-a-year business for life... Companies are licking their chops at the prospect of ...

Retirement can be one of the most rewarding periods of your life, but if you have financial insecurity, retirement can feel stressful. One way that some people try to reduce risk and enjoy retirement ...

Annuities sales surged to a record high in second quarter. Investors are looking to lock in higher interest rates and protect themselves from market gyrations. Annuities can be a good addition to a ...

In one product trend, regulators are seeing more guaranteed living withdrawal benefits attached to non-variable annuities.

Defined contribution executives who lamented in the past about a lack of in-plan retirement income products are now sifting through an influx of options that reached the market — or were announced — ...