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Planning for retirement income can feel overwhelming. You want to make sure your money lasts, but the options seem endless. One tool that often comes up is annuities. They might sound complicated, but with a little guidance, you can see how they fit into your overall plan. I’ll walk you through some clear, practical annuity strategies for retirees that can help you feel more confident about your financial future. Understanding Annuity Strategies for Retirees Annuities are con

Evaluating investment choices can feel overwhelming. With so many options available, it is easy to get lost in the details. One option that often comes up is annuities. Understanding how they work can help you make informed decisions. In this post, we will explore what annuities are, the different types available, their benefits, and how they can fit into your investment strategy. What Are Annuities? Annuities are financial products that provide a steady income stream, typica

What Are Mortality Credits? Mortality credits in an annuity are often referred to as an additional return on your investment, on top of the interest credited to the contract. This characterization is reasonable, but there are some important caveats to consider: Only payout annuities (immediate or deferred income annuities) benefit from mortality credits. Annuities used as tax-deferred accumulation accounts do not. Including a return of premium death benefit reduces the value