Start here. Foundational concepts that every annuity buyer should understand before making decisions.
These four articles form the essential knowledge base for anyone considering an annuity. Read them in order—they build on each other logically.
The fundamental definition: what annuities are, how they evolved, and why they exist. Understand the core concept before diving deeper.
The mechanics: accumulation phase, distribution phase, how insurance companies manage risk, and what backs your guarantees.
Honest framework for deciding if annuities make sense for your situation. Ideal scenarios, age considerations, and financial prerequisites.
Red flags, common pitfalls, and situations where annuities are a bad fit. What alternatives work better and why.