What to Look For in a Fixed Indexed Annuity or EIA

Not every fixed indexed annuity, (EIA) is equal. How do you
know which equity indexed annuity (EIA) to buy. You have
to know what to look for when purchasing a fixed indexed annuity
product.

Here is what I want today in a fixed indexed annuity (EIA):

1) Issued by major company with strong rating and preferably
a leader in selling fixed indexed annuity products. They are usually
a leader for a good reason. A company like Allianz, the all-time
industry leader, or ING, or Lincoln Benefit, an Allstate company
come to mind.

2) You want to have multiple Index Strategies so that you can always
have a choice to choose the best one for a particular market environment.

3) You want to have an index strategy that will allow you earn extremely
high interest rate in years the market takes off. My favorite strategy for the
last couple of years had been the Monthly Average with NO CAP. Most
companies do not have a NO CAP strategy. But it is important to have one
so look around even if it takes you a long time to find one.

4) The Income Riders which provide for lifetime income without annuitization
are important if one thinks they are going to use the annuity for an income
stream at some point and want security for life. One company is a winner
hands down on that one. Ask me for details at:
murray.john13@gmail.com

So you see the company you do business with, the details of the specific index
annuity you buy are very important. If you your homework, you will be
EXTREMELY pleased as these fixed indexed annuities are ideal for retirees
to own today. If you have the best one, it’s icing on the cake.