The Crash of 2010 Part Ii - The retirement clarification That Can Save Your Assets

Medicare Supplement Insurance Company Ratings - The Crash of 2010 Part Ii - The retirement clarification That Can Save Your Assets

Hi friends. Now, I discovered Medicare Supplement Insurance Company Ratings - The Crash of 2010 Part Ii - The retirement clarification That Can Save Your Assets. Which may be very helpful in my experience so you. The Crash of 2010 Part Ii - The retirement clarification That Can Save Your Assets

As I ended my last post, I mentioned that according to Harry S Dent*, store collapses are tied to spending and there is a narrative being release on July 27, 2010 that will show buyer spending at less than 1%. This, Mr. Dent's research shows, will precipitate a weighty collapse in the market.  The impact is likely to be immediate but but occur sometime between July and Dec '10.

What I said. It isn't in conclusion that the true about Medicare Supplement Insurance Company Ratings. You look at this article for facts about that wish to know is Medicare Supplement Insurance Company Ratings.

Medicare Supplement Insurance Company Ratings

So what does this mean to you? How should you prepare? What can you do? With markets declining, States on the verge of bankruptcy, pensions, communal protection and savings in trouble, Banks going under by the hundreds (soon thousands) these are good questions that wish answers. Well, I Have A Solution!

Life insurance Products: Specifically Fixed Indexed Annuities (Fias)

Stay with me now!  I know many of you turn off just hearing the words "life insurance".  I'm with you!  When I was first introduced to the possibility of becoming and insurance Agent I balked because my thought of Agents was they were lower than car salesman (and many are)!  But then I was introduced to an insurance world I never new existed.  You see I'm not talking about the typical Life insurance products you've been presented with in the past or that you might be customary with.  I'm referring to hybrids that have been advanced for the senior store over the past few years plus products that seniors must have like Long Term Care, Medicare Supplement, Annuities of various stripes And Life Insurance.  But I digress -please, read on.

As a Life insurance pro I do what I do because it's Safe for my clients.  But don't just take my word for it. There was research done by Robert H. Mills PhD, Cpa, which examined the dependability of Life insurance fellowships under various store conditions using the Great Depression as a bench mark of the worst case scenario.

In Dr. Mill's paper "...Solvency of Life insurance Companies", Mills states that, "The life insurance manufactures is a dynamic one with an uninterrupted increase pattern since 1890 straight through periods of prosperity and depression." It was also revealed that the fellowships that ceased doing between 1929-1938 represented only 2% of the total assets of All the life insurance companies.  By 1940 all the policyholder liability reserves were built back up by reinsuring fellowships so the net follow was that the loss was reduced to 6/10ths of 1 percent: The insurance Loss while The Great Depression Was Less Than 1%!! How much more protection could you ask for when you collate it with the protection of other options.  So exactly what are All the options you have right now:

1) You could leave your money in the market; stocks, bonds, mutual funds, changeable annuities, etc. Some feel this is the only way to get the "Big" returns but to get the big returns it also requires that you time the store just right right and know when to sell and when to buy. Remember the saying "Buy low & sell high"? Good advise, if you can do it, but most can't; they just don't have the time daily to carry on it or the expertise to know when to act. Plus there are No indicators right now showing this store going anywhere but Down! Remember, It'S Not The Rate Of Return You Get But How Much You Get Keep! Here's an example:

When Elvis Presley died he was worth millions; I believe it was over mil. But by the time they placed the estate his heirs got nearby Mil. Do you think the heirs were sitting nearby talking about the 35% gains he got in the store or what the hell just happened to the other mill? Don'T Chase Rates Of Return!

2) You could move your money to cash. This may seem like a safe move but what if the brokerage house goes out of business. There are No guarantees on that money. Plus your rate of return will be practically zero and you can't put your money on the sidelines for very long and not get hurt with inflation.

3) You could move your money to Bank Cd's. Again a safe move but low interest earnings. Rates right now are 1-1 1/2 % for the most part.  Some Cd's may offer an Index option to get higher yields but there's still a problem with this strategy or leaving it in brokerage accounts in that you pay tax on the gains so anything interest you do earn is reduced by the tax deflating your wide rate of return. Cd's typically don't give you any liquidity either with paying a surrender fee.

4) A good option than Cd's is a Fixed Deferred Annuity. This option will give you somewhat good rates than Cd's (2-5% depending on the length of contract) but the gains are tax deferred so you get the benefit of triple compounding; make interest on the money, on the interest and on the money you would have sent away as a tax. This is called "opportunity cost". Terms are like long term Cd's 3-5 years or longer but with good liquidity; typically you can withdraw 10% annually with no surrender fees unlike Cd's; some even offer perfect return of premium.

5) The fifth and probably the most desirable option is a Fixed Indexed Deferred Annuity. This hybrid option gives you the best of all worlds allowing you to tie your earnings to an index similar to brokerage options but the protection of Bank Cd's: No Risk Of Loss Is Guaranteed In Writing By The insurance company & Backed By Each States certify connection Up To 0,000 Depending On The State. Did I mention these were safe?!You can plump more than one index option and change those options typically on an yearly basis. Your considerable is guaranteed and with yearly reset your earnings are added each year and locked in so you can never lose them in the event of a store downturn. I'll cover the intricacies of these hybrids in an additional one narrative but you have the quality to make 6-10% on average.  As an example, from 2000-2010 the net return in the S&P was -4% while the net return in an Fia attached to the S&P with a 6% cap delivered a +4%.  That's an 8% spread in favor of the Fia.

In summary, if you're whole withdrawal nest egg is on a sinking ship, maybe it's time to move to the safest product ready today, a Fixed Indexed Annuity with a Life insurance Company. A visible illustration of this is ready on my blog site in the "freebies" section.

Safe Savings
Roger

* Info on Harry S. Dent: hsdent.com
* Mill's Paper "Solvency of Life insurance Companies"

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