Episode 051:

Understanding Indexed Annuities and the Three Different Account Values

Understanding Indexed Annuities with Guaranteed Lifetime Income Riders are notoriously hard for consumers. It doesn’t need to be this way! This episode will help you understand the mystery of the “Income Account Value” and the “Benefit Base” or “Protected Income Value”, or whatever your insurance company decides to call it.

Included in this episode:

  • Indexed annuities are designed to make it hard to understand
  • When looking at Fixed Indexed Annuities with a Guaranteed Income Rider – takes the annuity from 2 account values to 3 account values
    • 2 ways to make money in the world
    • 2 account values
    • Guaranteed lifetime income feature inside an annuity
  • Pensions and Social Security
  • Payout %
  • Income account value # will be on your statements
    • It’s a fake number!

Important links:


Charlie, your host:

CharlieMedium“Charlie Jewett is an Author, Speaker, Podcast Host, Consumer Advocate, and Investment Advisor from San Diego, Ca.  Charlie has spent the last eleven years trying to change the way the industry professionals and consumers think about Retirement.  Charlie provides education materials that help people to create their own financial plans and offers services to protect consumers from the bad guys in the Financial Services Industry.”  


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