All Posts

Annuity reserve requirements refer to the amount of capital that insurance companies must set aside to ensure they can meet future obligations to policyholders. These reserves are mandated by law to ensure that insurance companies can pay out the annuity benefits that policyholders are promised, even as they accrue over time. Minimum Reserve Requirements The National Association of Insurance Commissioners (NAIC), which is an organization that provides model regulations for th

When it comes to the question of "are annuities safe?", many people are genuinely unsure, pointing to the investment risks associated with market performance. Fortunately, annuities come with multiple 'safety nets' that, while not risk free, deter complete financial disaster. 1st Safety Net - Insuring Your Assets You insure your house, your car, your health, and your life – why not your retirement portfolio? Especially since your retirement portfolio’s ability to stay safe an

Planning for retirement isn’t just about growing your savings, it’s about protecting them. Today’s retirees want solutions that offer real balance. Tools that can participate in market growth without leaving everything exposed during downturns. That’s why RILA annuities, short for Registered Index Linked Annuities, have become a popular option. They offer something unique: structured growth potential paired with a defined level of downside protection. At National Annuity Educ

As retirees face longer life expectancies and increasing financial uncertainty, having a reliable source of income throughout retirement is more important than ever. Many are familiar with the concept of Social Security as a primary source of income in retirement. However, what if there was a way to create a similar, even more flexible, guaranteed income stream? One that is fully customizable and backed by insurance companies with solid financials and long-term viability? Ent

Rethinking Retirement Income When planning for retirement, one of the biggest questions is when  to lock in your income. Commit too early, and you might miss out on future rate increases. Wait too long, and you risk uncertainty in the markets. That’s where laddered annuities come in, a flexible strategy designed to give you the best of both worlds: stability now, and opportunity later. At National Annuity Educators, we help you understand how annuity laddering can add structu

You’ve worked hard, saved diligently, and maybe even checked your 401(k) balance a few too many times. But the big question still lingers: How do you make your money last once the paychecks stop coming in? That’s where annuities come in, one of the most underrated ways to create dependable, lifelong income in retirement. At National Annuity Educators, we’re here to clear up the confusion, explain your options, and show how annuities can help transform your savings into a stea

When planning for retirement, one of the biggest challenges is figuring out how to turn your savings into steady, reliable income that lasts. That’s where annuities come in, a financial tool designed to provide peace of mind through guaranteed income, no matter how long you live. At National Annuity Educators, we believe knowledge is empowerment. Understanding what an annuity is (and isn’t) helps you make confident, informed decisions about your retirement plan. What Is an An

Retirement planning has evolved dramatically over the years, driven by changing financial landscapes, longer life expectancies, and a...