Questions You Should Ask Me or The Company.

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Questions You Should Ask Me or The Company.

You should ask the following questions about equity index annuities in addition to the following questions in the Buyer's Guide to Fixed Deferred Annuities.
- How long is the term?
- What is the guaranteed interest rate?
- What is the participation rate? For how long is the participation rate guaranteed?
- Is there a minimum participation rate?
- Does my contract have an interest rate cap? What is it?
- Is interest rate averaging used? How does it work?
- Is interest compounded during a term?
- Is there a margin, spread, or administrative fee? Is that in addition to or instead of a participation rate?
- What indexing method is used in my contract?
- What are the surrender charges or penalties if I want to end my contract early and take out all of my money?
- Can I get a partial withdrawal without paying charges or losing interest? Does my contract have vesting? If so, what is the rate of vesting?
Jeff McLeod 1-800-286-1812
McLeod Agency Inc, Equity Index Annuities
December 13th, 2004 at 9:50 am

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