Finding the best annuity agent or financial advisor is critical when looking to invest in annuities, and finding the best rates. Considering there are more than a thousand annuities in the marketplace, finding the right one on your own without a Certified Financial Planner to assist you is a daunting task. At Esure Annuity, our goal is to help you through the vast marketplace to find the right annuity, so that you can enjoy income security and a solid financial future.
Finding the best annuity rates can be very intimidating, given the fact so many products are available and the life insurance industry’s efforts to provide solutions to the ever-increasing demand for income security for those who are retired, or who want to create income security for their retirement years. Top financial advisors offer immediate annuities that are similar in terms of options/structure, making the comparison and choice much easier.
At Esure Annuity, our annuity advisors understand that immediate annuities serve to convert a lump some of money into a stream of income that is guaranteed for your life time, or over a specific time period. While annuity rates do change, the mechanics of accomplishing a guaranteed stream of income are basically the same from one type of annuity to the next. Your deposit is invested in its own portfolio of bonds by a life insurance agent in order to generate interest. How much income will be paid out to your over a specified time period is then calculated based on an assumed annuity rate of interest. Sounds complicated, but it is really quite simple.
A qualified Certified Financial Planner will help you understand annuities, how they work, and how to find the best annuity rates. With the advent of the Hybrid Index annuity, many investors choose to rollover their 401k, 403b, and IRAs into these top ranked Hybrids, some of which offer 5% to 7% withdrawal rates for life in some states. However, this requires that the correct annuity is selected, another reason to work with a reputable financial advisor. It is a sad fact that many who want to invest in annuities “grab” the first one they are exposed to, simply because they are unaware of the most advanced annuities, and not impressed by the products their local insurance agent has to offer.
Ultimately, a professional who specializes in annuity investments can help you find the best annuity rates for your specific needs. At Esure Annuity, we provide answers to all of your questions regarding annuities; you can rely on us for ethical, honest, straightforward help from a trustworthy agent who wants to help “un-complicate” the subject of annuities for you.
