Category: Deferred 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 […]

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 […]

ATTORNEY NEWSLETTER  Security Benefit Total Value Annuities (TVAs) The annuity attorneys at Evans Law Firm Inc. have experience representing clients who have suffered losses on all types of annuity contracts, including indexed annuities. Indexed annuities are hybrid annuities that offer both a minimum fixed rate of interest and an interest […]

ATTORNEY NEWSLETTER Understanding Income Riders What Are Income Riders? Deferred annuities are insurance policies where the policyholder pays a premium today to receive a series of payments back at some future date. Growth on the dollars paid, if any, is tax deferred.  Income riders are attachments to deferred annuities that […]

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 […]

ATTORNEY NEWSLETTER Be Wary of Annuities in Any Form What are Deferred Annuities? Tax deferral is the key to successful retirement savings. Annuity salesmen advise consumers to invest in deferred annuities to maximize tax deferral. We at Evans Law Firm counsel caution, especially for senior consumers. Our attorneys have years […]

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 […]

ATTORNEY NEWSLETTER Annuities Gone Wrong Annuities Are A Problem Are you someone who has bought an annuity? Have you tried to take out your money and been charged a steep surrender penalty fee? Has your annuity investment lost you money? Sadly, you are not alone; annuity companies and their agents […]

ATTORNEY NEWSLETTER The Role of Physicians in Stopping Elder Abuse The Prevalence of Elder Abuse A recent report published in the Journal of the American Geriatrics Society brought up the topic of what Doctors, and especially Emergency Room physicians, can do to spot and prevent elder abuse. In California and […]

ATTORNEY NEWSLETTER Brokers Move from Variable to Indexed Annuities Why the Variable Annuity is in Decline 2016 has been a rough year for many people, not least for sellers of variable annuities. Regulatory oversight, the new Department of Labor fiduciary rule, and market factors have led to a year that […]