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In this message I would like to highlight some of the many advantages annuities have over bank CDs. First both offer safety of principal in fact they both GUARANTEE your principal. CDs do it via a small reserve requirement of less than 6% and the balance of the guarantee covered by an insurance policy purchased from the FDIC. There is a limit of $250,000 per person per account for the FDIC guarantee. Annuity principal amount is guaranteed by the insurance company which by law must have $1.03 dollars in liquid reserve for every dollar you have in your account. And there is NO limit on the amount...

One of the most popular financial tools for retirement savings accounts is the indexed annuity. Like Health Savings Accounts for health insurance, indexed annuities are the least understood GREAT product for retirement savings dollars. Unfortunately, like health savings accounts, most financial services professionals that recommend indexed annuities, DO NOT explain them adequately to their clients. An indexed annuity is simply a fixed annuity that credits INTEREST in a very unique way. It pays interest based on the performance of a stock market index, usually the Standard & Poor’s 500....