• Friend,
  
  Here is a quote from EWI, "Bear markets break things apart."
  This is a simple but important consequence, one that can be highly
  effective in anticipating important social transformations.
  Friend, Consider reading http://sociotimes.com/
  to keep up with the cracks created by the unfolding bear market.
  
  Jeff McLeod
  http://happyretiree.com/Buyers-Guide-Annuity.html
  800-286-1812
  
  

  Basic Designs of Index Annuities

  There are a wide variety of index annuity designs! The most familiar design is the Annual Reset/Ratchet method. The main components are illustrated below.

  Annual Reset Method

  • Gains are calculated and interest credited each year.
  • Interest is "locked-in". This means once interest has been earned, it cannot be subtracted in the future due to a market downturn.
  • Because interest is "locked-in" each year, the contract-holder benefits from compounding.
  • This design is usually coupled with a Participation Rate or Margin that is reset each year.

  Potential Customers for Annual Reset

  • Customers who want the potential to earn greater than fixed rates over the term of the contract.
  • Customers who want to see a return credited annually
  • Customers who feel market is choppy or unstable
  • Customers who want ? locked-in? growth.

  The number of crediting methods and combinations is virtually boundless. This makes it extremely difficult for you to compare "apples to apples". However, the more knowledge obtained about the different crediting methods, guarantee provisions, and features of index annuities (Caps, Margins, Participation Rates, etc.) the more effective you will be in determining which products to choose.
  

  Friend, I look forward to working with you.

  Best regards,
  

  Jeff McLeod
  HappyRetiree.com
  800-286-1812
  

  6401 wingfield Way Rogers AR 72758
  April 3rd, 2007 at 5:15 pm

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