The Times They Are A Changin For Annuities

By Bill Broich I remember the early years in Olympia Washington learning to sell annuities, it was tough.  Not only tough for me but tough for anyone who was anything other than a “stockbroker”.  Not only were our products not fully developed but we were the “ugly” stepchild of the financial world. Annuities were considered a second [...]

By |2015-05-29T00:02:03+00:00May 29th, 2015|General Business|

Higher Medicare Premiums Are Coming

By Bill Broich Beginning in 2014, new rules were put in place governing the premiums paid for higher earners. If adjusted gross income (AGI) (which includes earned interest and tax exempt interest (municipal bonds) is over $85,000 for single taxpayers or $170,000 for married couples, they will be subject to the income related monthly adjustment [...]

By |2018-07-31T22:54:25+00:00May 28th, 2015|Insurance|

20 Questions To Ask When Interviewing Annuity Agents

By Bill Broich Finding a competent annuity salesperson is not especially easy. The reason is simple, for many advisors or agents, annuities are a secondary business. Agents specialize in life insurance, long term care insurance and only handle annuities as an add on. Finding a real expert about annuities requires interviewing agents and asking questions. [...]

By |2015-05-26T19:08:35+00:00May 26th, 2015|Annuities|

The Next Major Annuity Market Is Massive: Women

By Bill Broich It hasn’t even been that long ago women could not vote in America.  Not only that, there was a time when women were considered “property” of their husbands.  In many parts of the world that is still the case.  Fortunately, in America all are equal, well sort of. But guess what?  Women [...]

By |2015-05-23T22:54:28+00:00May 23rd, 2015|Annuities|

The Sherriff In Town Comes To The Rescue

By Bill Broich I like Halloween as do most people.  I love to have the kids come to the door and “trick or treat” especially the little ones.  They are so excited and so am I.  Being scared is no fun ion real life especially the fear of the unknown.  When we look at the [...]

By |2015-05-23T20:21:12+00:00May 23rd, 2015|Annuities|

What Happens To Bonds and Annuities If Interest Rates Rise

Just a simple rate movement over time of 3% (3.25% discount rate) would reduce the actual value of all inforce US Treasuries by as much as 40% of their market value. Think what would happen if interest rates went even higher? Disaster would loom and trillions of dollars would evaporate if these assets were liquidated. Of course there would be a winner: the US Taxpayer. Treasuries would be replaced with a higher earning interest rate bond, but at a far less value a third of its market value of the original bond.

By |2015-05-21T20:25:21+00:00May 8th, 2015|Annuities, Bonds|