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Category: Deferred Annuities

Jan 8, 2018 - Annuities by |

Santa Clara County and California Securities and Financial Elder Abuse Attorney: Surrenders and L Share Variable Annuities

ATTORNEY NEWSLETTER FINRA Concerns With L Share Annuities L Share Variable Annuities are a type of variable annuity where the surrender charge period under the contract is shortened to three or four years, as opposed to seven to ten years under standard variable annuities. L Share annuities have higher administrative […]

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Nov 27, 2017 - Annuities by |

San Mateo County and California Life Annuities Attorney: RiverSource Annuities

ATTORNEY NEWSLETTER RiverSource Life Insurance Company Deferred Annuities The annuity attorneys at Evans Law Firm Inc. represent clients who have suffered losses on all types of annuity contracts, including fixed, indexed, and variable deferred annuities. These contracts charge sales commissions, rider fees and other benefit charges, and penalties on full […]

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Nov 27, 2017 - Annuities by |

Alameda County and California Financial Elder Abuse and Annuity Attorneys: Hybrid Annuities

ATTORNEY NEWSLETTER Complaints Over Hybrid Annuities What Are Hybrid Annuities? Hybrid annuities, often called buffer variable annuities or structured variable annuities, are complicated combinations of fixed and variable deferred annuities. Equity-indexed or Fixed-indexed annuities are also hybrid annuities.  Agents and issuers sell hybrids as “buffers” against market downturns with higher caps […]

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Nov 14, 2017 - Annuities by |

California FINRA and Securities Attorney: Variable Annuities

ATTORNEY NEWSLETTER  A Closer Look At Variable Annuities Variable annuities are hybrid investments with securities and insurance features. Unlike fixed annuities, returns on variable annuities fluctuate with the market. The Financial Industry Regulatory Authority (FINRA) and Securities and Exchange Commission (SEC) both regulate sales of variable annuities.  The complexity and […]

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Oct 16, 2017 - Annuities by |

California and San Mateo County Annuity and Financial Elder Abuse Attorneys: Understanding Annuities

ATTORNEY NEWSLETTER Understanding Annuities Tying Up Savings and Hidden Costs Annuities are insurance contracts sold to provide guaranteed income for life. Deferred annuities defer that income (and possibly taxes) until a future date. Insurance agents and advisors promote annuities as retirement savings vehicles. We at Evans Law Firm do not […]

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Aug 25, 2017 - Annuities by |

California Annuity Attorney: Annuities in IRAs

ATTORNEY NEWSLETTER Be Wary of Annuities in IRA Accounts IRAs Are Tax-Deferred Tax deferral is the key to successful retirement savings. IRAs, 401(k)s, SEPs and the like offer deferral and savers can see their retirement savings grow tax-free until it’s time to withdraw without penalty after age 59 ½. Annuity […]

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Jan 10, 2017 - Annuities by |

Los Angeles Insurance Fraud Attorney: Indexed Annuities

ATTORNEY NEWSLETTER Are Indexed Annuities Just Over-Our-Heads Difficult? Indexed Annuities Annuities are complex financial instruments. So-called indexed annuities are even more complicated. Yet, these investments are made quite often, which means people could be investing in a product they simply do not understand. And the stakes are incredibly high; often […]

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