Equity
Indexed Annuities
In the last ten years a new category of deferred annuities
have emerged, called equity
indexed annuities (EIAs). These policies are a hybrid
of the two types of deferred anuities just described.
The EIA offers a guarantee that the account value will
never drop below the initial amount invested while also
offering a chance to participate in the upside potential
of any increase in the value of a major stock index, such
as the S&P500 or Dow Jones Industrial Average.
http://en.wikipedia.org/wiki/Annuity
It used to be that Equity-Indexed Annuities were mainly
sold by independent insurance agents. Now, they are being
sold by brokers who work for the larger brokerage firms.
The high commissions these products pay are simply too
enticing. Worse, these brokers aren’t selling them
under the umbrella of their firm. They are selling them
as what is termed an ‘outside business activity’.
That means that even though you are talking to a person
that works for a big brokerage house and that person is
recommending you sell your variable annuity, pay a penalty
and move the money into an equity-indexed annuity, the
firm is not policing that transaction. Every other trade
done by the broker must meet strict compliance and regulatory
standards. The sales of equity-indexed annuities do not.
www.guardingyourwealth.com/annuities/articles/RegulatorsEIA.htm
Understanding a complex product to protect Investors'
Interests. Sales of equityindexed annuities, a relatively
new annuity product, have grown. considerably in recent
years. Importantly, most. anniuties are structured so
that they are insurance anuities.
snsfe-law.com/AboutUs/Eccleston/Equity-IndexedAnnuities.pdf
USAnnuitiesDirect.com offers insurance simplified. If
you have questions or want to fix your insurance anuity
we can help you. Guaranteed Issue Life. Equity Indexed
Annuities Flexible premium, equity indexed income anuities
offer you management of your assets as you live longer.
www.usannuitiesdirect.com/products/equity_annuities.html
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