Annuity Trends

July Market Update: Monetary and Fiscal Stimulus Propel Markets

The S&amp;P 500 and other market indices are almost back to pre-COVID levels. Credit spreads for the riskiest borrowers are back near historical averages despite depressed profitability expectations in most industries and much higher uncertainty about future profitability. This is occurring at a time of 13% unemployment, unprecedented government deficits, and in a period of &hellip; <a href="https://www.blueprintincome.com/resources/annuity-trends/july-market-update-monetary-and-fiscal-stimulus-propel-markets/">Continued</a>

Annuity Basics

Can You Lose Money In An Annuity? Know These Two Things To Figure It Out

There are two things you need to know if you’re an annuity owner or considering a purchase if you want to understand whether you can lose money. First, what kind of annuity do you own or are you considering purchasing? Second, what is the financial strength rating of the insurer?

Retirement 101

January 2020: Annuity Rates and Market Update

Payouts on income annuities were down slightly in December as the pricing for some of the top insurers on our platform decreased. The bond market was mostly unchanged month-over-month. Top fixed annuity payouts held steady.

Annuity Trends

November Market Update: Fed Cuts Rates Again, But Annuity Yields On The Rise

This past Wednesday, the Federal Reserve cut interest rates by 0.25% to a targeted range of 1.50% &#8211; 1.75%. The move was widely expected by financial markets and the reaction was muted. This is the third straight rate cut. On October 30, the Fed cut rates, continuing the downward pattern in short-term interest rates that &hellip; <a href="https://www.blueprintincome.com/resources/annuity-trends/july-market-update-monetary-and-fiscal-stimulus-propel-markets/">Continued</a>

Annuity Basics

At What Point Does the Beneficiary to an Annuity Acquire Rights?

The beneficiary to an annuity acquires rights upon the death of the owner. In most cases, the beneficiary will receive a lump sum cash refund of the contract, although, with certain annuity contracts, the beneficiary can take over the policy as the owner for the remainder of the term. Annuities typically avoid the probate process &hellip; <a href="https://www.blueprintincome.com/resources/annuity-trends/july-market-update-monetary-and-fiscal-stimulus-propel-markets/">Continued</a>

Insurance Companies

What Is the Best Company for Annuities?

Deciding what the best company for annuities is depends on what you’re looking for in an annuity. Some companies offer better rates for one type of annuity than another. And, some companies that offer annuities have higher financial ratings than others, but they might offer lower rates. Blueprint Income is a marketplace that distributes simple &hellip; <a href="https://www.blueprintincome.com/resources/annuity-trends/july-market-update-monetary-and-fiscal-stimulus-propel-markets/">Continued</a>

Retirement Income

What Happens to the Money in an Annuity When You Die?

What happens to the money in an annuity when you die depends on the type of annuity and the options chosen. If you have an immediate or longevity annuity and pass away, the contract will terminate unless you include a refund at death (a.k.a. cash refund or death benefit). Including the refund at death ensures &hellip; <a href="https://www.blueprintincome.com/resources/annuity-trends/july-market-update-monetary-and-fiscal-stimulus-propel-markets/">Continued</a>