VAs vs. FIAs—Download a Free 30-Page White Paper
By Roccy M. DeFrancesco, JD, CWPP™, CAPP™ - 
Email Editor
Date : May 19, 2009
Dear Valued Reader,
Several weeks ago I did a newsletter titled: VA vs. FIA Guaranteed Lifetime Income Benefits (there is NO comparison).
The responses from that newsletter were so overwhelming that I decided to write my own “white paper” to further expand on the newsletter.
Why should everyone have a copy of this white paper? Good question. |
If you are not an advisor and have ever had liquid wealth, or ever intend to have liquid wealth, you should download this white paper to learn all about variable annuities (VAs) and Fixed Indexed Annuities (FIAs) and how they can help you protect and grow your wealth.
The general public pours literally billions of dollars into VA and FIAs each year, and I can state with confidence that many have no idea how the products actually work and the expenses imbedded in each product.
Today, the general public is very interested in a “guaranteed income for life”. The main way to accomplish this goal is to use an annuity (VA or FIA) with a guaranteed lifetime income benefit. There are a few more important pieces to a financial plan. I think consumers should educate themselves so that they are not taken advantage of by salespeople who are intentionally selling products that are better for the advisor than the client or don’t understand the products they are selling, which has the same result: The client does not purchase the right or best product.
Therefore, if you have already or plan to allocate money to a product that will guarantee you a lifetime income that you can never outlive, you owe it to yourself to download my new white paper. Do to so, please click on the following link.
If you are securities licensed, the chances are significant that your B/D forbids you from selling Fixed Indexed Annuities (FIA) or strongly frowns on it. Therefore, most security licensed advisors do not understand FIAs and really do not understand how the new guaranteed income for life benefits (GIB) work inside a FIA.
If you are securities licensed and don’t know how FIAs work, and specifically how the new GIB rider works, you should and can learn it in detail with my new white paper.
If you are NOT securities licensed, the chances are significant that you are not familiar with exactly how a variable annuity (VA) works and in turn do not understand “ALL” of the various fees and riders that are available (including the following: Guaranteed Death Benefit (GDB), Guaranteed Minimum Withdrawal Benefit (GMWB), Guaranteed Minimum Income Benefit (GMIB), Guaranteed Lifetime Withdrawal Benefit (GLWB), and Guaranteed Minimum Accumulation Benefit (GMAB)).
If you are not securities licensed, and don’t know how VAs work, and specifically how the various riders work to guaranteed income, withdrawals, and death benefits, you should and can learn it in detail with my new white paper.
What does the white paper cover?
The title of the white paper is:
Guaranteed Income Benefits(income for life)
Variable Annuities VS. Fixed Indexed Annuities
I cover all the various fees in VA and FIA, I explain the VA riders, and the FIA GIB rider.
Then I use two real world comparisons of a VA vs. a FIA to determine:
1) which one will guaranteed the most retirement income for the annuitant in retirement,
2) which one has the largest actual account value in any given year that would pass to the beneficiaries upon the death of the annuitant, and
3) whether the rider used on the VA and the FIA made sense to purchase it in the first place.
Once you download the white paper, if you have any questions, please feel free to e-mail me at info@trustmakers.com.
Download viewable version of the VAs vs. FIAs—Download a Free 30-Page White Paper.
Please email info@trustmakers.com if you would like a printable version. We are offering a special value.
Roccy M. DeFrancesco, Jr., JD, CWPP™, CAPP™, MMB™, is the Founder of The Wealth Preservation Institute, the creator of the Certified Wealth Preservation Planner (CWPP™), Certified Asset Protection Planner (CAPP™), Master Mortgage Broker (MMB™) designations (www.thewpi.org) and the Co-Founder of the Asset Protection Society (www.assetprotectionsociety.org). For more info >
Until next week,
Roccy M. DeFrancesco, JD,CWPP, CAPP, MMB
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ABOUT THIS EDITOR:
Roccy DeFrancesco, JD, CWPP, CAPP, MMB - Author and lecturer, Roccy specializes in advanced estate and asset protection planning. Roccy's passion is to teach advisors how to implement lawful strategies that will hold up for the test of time.
05 MAY
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