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Month: January 2019

Liquidity Focused Indexed Annuities

Raymer Malone

Liquidity focused indexed annuities all share similar characteristics: No downside market risk. Guaranteed increase through surrender Surrender schedules range from 5-10 years Historical returns fall between multi-year-guarantee-annuities and equities. Liquidity options that let the client exit the policy without a surrender penalty. Some carriers may charge a fee for the liquidity feature. However, that fee…

Accumulation Focused Indexed Annuities

Raymer Malone

Accumulation focused indexed annuities all share similar characteristics: No downside market risk Surrender schedules range from 5-10 years The longer the surrender, the higher the potential for returns Historical returns fall between multi-year-guarantee-annuities and equities 10% Free Withdrawals These products are ideal for a conservative client who wants to have moderate upside with no market…

Multi-Year Guarantee Annuities

Raymer Malone
Current Fixed Rates NationalNY 2 year5.00%N/A 3 year5.25%4.85% 5 year5.25%4.85% 7 year5.30%5.00% These rates are as of 11/13/2024. All carriers are A- rated or higher and the rates are guaranteed for the entire period. Higher rates are available from B++ carriers and below. All rates are for the high band.
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