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Fixed and Indexed blog
How to do an annuity 1035 exchange, step by stepA walkthrough of an annuity-to-annuity 1035 exchange: what to gather, how the transfer moves, how basis carries over and what to confirm before and after.Declared rates and non-guaranteed elements in annuity contractsA checklist sorting annuity contract terms into guaranteed or changeable: renewal rates, caps, participation rates, spreads, fees, and the limits to look for.Fixed annuity or bank CD: how safety, tax and access really differA side-by-side look at a fixed annuity and a bank CD: what backs each, who insures it, how interest is taxed, what leaving early costs and what heirs receive.Rates rise after you buy: what happens to the fixed annuity you holdFour hypothetical owners decide whether to stay, exchange or wait after market rates climb, with the arithmetic of lost interest against surrender cost and MVA.Work out an indexed annuity credit by hand with your own contract termsA worksheet for working out an indexed annuity's yearly credit from index values, cap, participation rate and spread, with worked examples and blanks.Eight claims about indexed annuity returns, tested one at a timeSales claims about indexed annuities, such as no losses and market-like gains, checked against caps, spreads, crediting dates and what the contract guarantees.Market value adjustments: why your annuity value can move on exitHow a market value adjustment works when rates rise or fall, which exits trigger it, why it can add or subtract, and where the contract states the formula.The minimum guaranteed value in a fixed annuity: what the floor protectsHow nonforfeiture laws put a contractual floor under a fixed annuity, how the minimum is calculated and why it rarely matches the credit on your statement.Your multi-year guaranteed annuity is maturing: the choices aheadThree hypothetical households face a MYGA maturity and weigh renewing, exchanging, taking cash or turning it into income, with the arithmetic and the deadlines.Premium bonus annuities: how the bonus gets paid forSeven claims about premium bonus annuities tested against vesting, crediting, surrender and tax rules, with an invented case where a bonus nets out to little.