Financial Planning: Annuities : What Is an Equity Index Annuity?

[ShelbyValorie]

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[zqbogus]

@TheAcgolf23 Why do you only mention 2008, and not all of the years when my 401K included returns of more than 20 or 30% on many funds? The fact is that comparisons of the most generous EIAs vs a well balanced portfolio over 30 years have shown that $1000 grows to nearly $300K if invested directly in the market via stocks or mutual funds vs less than $50K in an EIA, and that's including all of the down years, but ignoring the surrender fees of the EIA. You're so anxious for fat commission$.

[zqbogus]

"its a long term vehichle" (sic) but it's being sold to the elderly who don't have a long time to collect the benefits. The young need not give up huge earnings for such security. The elderly can't afford to lock up their funds for so long. The young can invest in mutual funds and earn 6X as much over 30 years even after factoring in huge market losses in down years, because there's no cap on their earnings and they don't give up all dividends to the insurance company. See NBC Dateline 4/3/2008

[877GROWSAFE]

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[TheAcgolf23]

to: cweth

Re: hooey

You didnt state all the facts about indexed products. Surrender charge goes down and its a long term vehichle. How much was YOUR surrender charge in Oct 08? I will tell you, 40% losses. As a reg rep, you should be ashamed.

[elvisincali]

I am BOTH under FINRA , the SEC AND a Licensed Life Agent. I NEVER use anything from the SEC side because they are CROOKS. I have never lost one dime of my clients money and they ALL love me ! Also, check the TIME Magazine article: Retire The 401(k). Contact me if you like I'll answer any questions... Keep your EYES OPEN and ASK QUESTIONS. :)

[elvisincali]

The STATE Regulators are FAR better at regulating the Insurance Industry than the SEC and FINRA is at regulating Registered Products. To the reader: check youtubes: The Truth Behind hidden Fees in 401(k)s; Stay Rich Tax Adviser Ed Slott Retirement Saving; CNBC Indexed Annuities.

[elvisincali]

FINRA and the SEC is CORRUPT ! Where did MADOFF work under? It was under so called FINRA and SEC Regulation. Everytime you see a HUGE PONZI scheme it is someone who works under FINRA and SEC regulation.

[cweth5594]

I am a registerd advisor...you are not...I checked FINRA...EIA's put people in 10-20 year products with 20% surrender charges....And there is a reaon for 151a, to stop insurance agents from giving mis information on financial advice.

[mtwaits]

You sound like a guy who has lost his clients 40% of their money by not using these "crap" products! And the SEC will regulate them shortly with Rule 151A. Giving you the benefit of the doubt, I trust you mean well; just need more perspective.

[cweth5594]

This guy is an insurance agent not a financial advisor...Check out his web site, no affiliation with FINRA. Bad bad sign. Non registerd person.

[cweth5594]

An equity indexed annuity is crap!!! Not even regulated by FINRA or the SEC

BEWARE!!!!!!!!!!!!!