As an annuity professional, you understand the many roles fixed annuities can play in helping clients achieve various financial goals. At the same time, a great deal of misinformation about these products — and the professionals who sell them — exists for a number of reasons, from false claims in the news to outdated perceptions passed down from previous generations of retirees.
NAFA works to generate content and materials to help you educate consumers about fixed annuities by arming them with the truth. From fliers and brochures to whitepapers and media rebuttals, utilize the information below to assist consumers in making better decisions about their retirement. Continue checking back in the weeks and months to come as we add additional resources to this page!
Annuity Crediting Strategies: Cap Strategy
Fixed indexed annuities (FIA) help consumers enjoy downside protection and upside potential in their retirement plans. Unfortunately, many are confused about the benefits of these products. NAFA seeks to break down specific features of these annuities in a way that anyone can understand. Learn how the point-to-point cap strategy works and why it’s a popular option available on many FIAs.
Annuity Crediting Strategies: Par Rate Strategy
Many consumers are more familiar with how par can help their golf game than how par rate strategy can benefit their retirement nest egg. Fixed indexed annuities (FIA), and indexing in particular, are widely misunderstood and even misrepresented by some entities. This paper explains how the point-to-point participation rate strategy works and why it’s a popular option available on many FIAs.
Helping Consumers Understand FIAs
Fixed indexed annuities (FIAs), just like traditional fixed annuities, are insurance products that provide downside protection from loss of principal, with the potential for earning interest credits based on the performance of an underlying market index. In this report, learn how FIAs work and how they compare to other financial strategies for retirement planning, such as bond laddering or CDs.
Celebrating the 25th Anniversary of FIAs
Though we’ve experienced significant changes related to FIAs throughout the last 25 years — from index crediting methods and riders to regulation and legislation — one thing hasn’t changed: the value of these products in helping consumers secure predictable lifetime income. Enjoy a timeline showing the innovation and evolution of the fixed indexed annuity and its impact on retirement.
The Fixed Annuity Advantage
As baby boomers shift their focus from simply accumulating funds to turning accumulated funds into a reliable income, fixed annuities have evolved to address both these challenges. This piece offers agents and consumers information on the guaranteed lifetime income, or withdrawal, benefit available on these powerful products.
9 Answers Every Investor Needs to Know about Annuities
Many consumers have received or been asked to download information about annuities produced by someone who doesn’t sell them or who doesn’t believe you should buy or own them. Much of this information is misleading; some of it warrants four Pinocchios! The information in this document is intended to provide readers the facts contrary to the negative sales pitch. Facts are empowering! With them, consumers can make informed decisions about their financial goals and retirement plan.
The Fixed Annuity Umbrella
Fixed annuities are a popular choice for individuals preparing for retirement who want a guaranteed interest rate and a stream of income they can’t outlive. Yet, there remains confusion about how fixed indexed annuities in particular work. This powerful piece concisely summarizes the similarities and differences between fixed, or declared rate, annuities and fixed indexed annuities.
The Power of Words
Fixed annuities offer a unique and attractive blend of safety, growth potential, tax advantages and lifetime income — which may make them a good fit for many clients. Yet appreciating the true power and capabilities of fixed annuities requires understanding the key terms that are used to define them. Use this flier as a handy guide for educating your clients about the basics of fixed annuities and annuity terminology.