ATTORNEY NEWSLETTER What’s the problem with a free steak dinner or lunch? Insurance carriers, marketing groups and agents are creative in the ways they sell life insurance and annuity products to senior citizens.  One recurring example is the free lunch or free steak dinner invite.  A free meal is always […]

ATTORNEY NEWSLETTER What is a deferred annuity? Deferred annuities are life insurance contracts where the policy holder makes an upfront premium payment in exchange for an income stream in years to come.  The concept sounds simple enough but in fact deferred annuities, like fixed indexed annuities, are extremely complicated life […]

ATTORNEY NEWSLETTER What is a deferred annuity? Deferred annuities are contracts where the policy holder makes an upfront premium payment in exchange for an income stream in years to come.  Are deferred annuity policies complicated? Yes.  While the concept of deferred annuities sounds simple enough, deferred annuity policies, like fixed […]

ATTORNEY NEWSLETTER What is a deferred annuity? Deferred annuities are life insurance contracts where the policy holder makes an upfront premium payment in exchange for an income stream in years to come.  The concept sounds simple enough but in fact deferred annuities, like fixed indexed annuities, are extremely complicated life […]

ATTORNEY NEWSLETTER What are Riders To Annuity Contracts? Riders are attachments to deferred annuities sold by life insurance agents or retirement planners or other advisors as enhanced benefits to any proposed annuity policy. Riders come with an additional fee added to your base premium. Available riders include income riders, long-term […]

ATTORNEY NEWSLETTER Disadvantages Of Deferred Annuities Complicated Life Insurance Contracts Withdrawals Penalized In Early Years Deferred annuities are life insurance contracts where the policy holder makes an upfront premium payment in exchange for an income stream in years to come.  The concept sounds simple enough but in fact deferred annuities, […]

ATTORNEY NEWSLETTER What is a deferred annuity? Deferred annuities are contracts where the policy holder makes an upfront premium payment in exchange for an income stream in years to come.  Are deferred annuity policies complicated? Yes.  While the concept of deferred annuities sounds simple enough, deferred annuity policies, like fixed […]

ATTORNEY NEWSLETTER Seniors Should Avoid The Sales Hype Long-Term Annuities Are Costly To Exit Sales Commissions And Fees Diminish Returns Deferred annuities are contracts where the policy holder makes an upfront premium payment in exchange for an income stream in years to come.  The concept sounds simple enough but in […]

ATTORNEY NEWSLETTER Deferred Annuities Are Not For Seniors Costly, Complex Contracts  Withdrawals Penalties, Commissions And Fees Deferred annuities are contracts where the policy holder makes an upfront premium payment in exchange for an income stream in years to come.  The concept sounds simple enough but in fact deferred annuities, like […]

ATTORNEY NEWSLETTER <br> <h1> Policies Carry High Expenses And Fees<h1> <h2> Withdrawal Penalties Lock You In<h2> <h3> Investment Risk Is Not Insured Against<h3> <br> Evans Law Firm, Inc. generally recommends against certain types of deferred annuities for older consumers because these complex, expensive insurance policies may tie up a senior’s […]