Index Annuities for Cash Accumulation

Oct 5, 2015

  1. pfg1
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    pfg1 Guru

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    In today's market with lower rates/caps, which FIA products do you guys like for potential accumulation? I know AE's Choice Series are pretty well liked with the decent PR's. Anything else you guys are fond of?
     
    pfg1, Oct 5, 2015
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  2. scagnt83
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    scagnt83 Worldwide Expert of Everything

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    American General has a really strong option with the Power Protector product. It uses a Merrill Lynch index called the "Strategic Balance Index". The backtests are extremely strong. It has a 2.5% spread on the 2 year option with the 7 year product.

    Athene has a S&P 500 8% Risk Control option on one of their products that looks good too.

    Those two along with the AE Choice would be my top picks.
     
  3. Tahoe Ray
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    Tahoe Ray Guru

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    In addition to these, I'll add Americo's Libertymark and North American's Retirechoice.

    Athene and NA both have liquidity riders too, with NA's being especially strong in CA.
     
  4. EAJoe
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    EAJoe Super Genius

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    Guggenheim's TriVysta, American National's Strategy Plus series, AE's Choice Series, and F&G's Accumulator Plus Series all offer fantastic rates with no fees and no/low bonus. If a product offers a bonus, the accumulation potential is typically going to be really limited because of today's low interest rates.

    I really like the Guggenheim product; 6 strategies with no caps, one of which has 100% participation on a 2 year term with no spread/asset fee. The three index choices offer the client great diversification within an FIA. Also, they're running a comp bonus through December 18th. Pretty solid deal for everyone.
     
    EAJoe, Oct 19, 2015
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