- Annuity Reference
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What is an Annuity?
In its simplest form an annuity is a contractual agreement between you and an insurance company who will hold your money for you, in return for one or more benefits, for a pre-determined period of time. An annuity is not an investment. It is a financial arrangement where you receive one or more benefits. So what are the benefits for annuities?
Read more(external link) - Annuity Types
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What are the major types of Annuities?
The are four main types of annuities: income, fixed, indexed, and variable. Since we do not offer or advocate variable annuities, the following are the types and sub-types of annuities we do offer:
Income Annuity - Immediate Annuities, Hybrid Indexed Income Annuities, Indexed Income Annuities
Fixed Annuity - Fixed Deferred Annuities, Multi Year Guaranteed Annuities
Indexed Annuity - Mid-Term Indexed Annuities, Hybrid Indexed Annuities, Bonus Indexed Annuities
Read more(external link) - Companies & Ratings
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Which Companies do you Offer and how are they Rated?
We offer annuity products from a wide variety of companies ranging from B+ to A+ on the AM Best rating scale. Each company has its own unique annuity product portfolio and portfolio strengths. Insurance companies that offer annuities are generally rated by four main independent rating agencies: S&P, Moody's, Fitch, & AM Best. The rating scale varies by rating agency. Read on for a list of companies and a comparison chart of rating scales.
Read more(external link) or here Read more(external link) - Which Annuity is Best?
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Which Annuity is Best for Me?
While there are hundreds of annuity variants available today, we are the annuity experts that can help you choose which annuities are best for you! We always recommend a free, no-obligation appointment so we can provide you with the best, personalized service. However if you are more interested in a simple first-step, try our confidential, proprietary Build Your Own Annuity question and answer wizard. This wizard takes a few minutes to complete and can give you loads of inside information to help narrow your annuity search.
Read more(external link) - Calculators & Tools
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Caluclators & Tools
As experts, we hand-design our own custom annuity calculators and tools. No one else even comes close! BYOA Main Calculator Page (external link) Immediate Annuity Calculator Page(external link) Indexed Annuity Income Rider Calculator Page(external link) Annuity Retirement Income Calculator Page(external link)
- Quotes & Rates
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How do I obtain a personalized quote or current rates?
The best way to obtain personalized quotes or current rates is to call and set an appointment. We also offer an online rate summary and have quotes engines on most of our websites. As always, no quote or rate is guaranteed until you submit an application to an insurance company. Current Rates on lower left Panel of BYOA Main Page (external link) Request a Quote at BYOA.com(external link) Replacement of Existing Annuity Quote(external link)
