Expenses

Retirees at Risk in Ultra Low Interest Rate Environment

In a recent op-ed piece in The Wall Street Journal Charles Schwab highlights the fact that the vast majority of retirees in the U.S. are suffering in the current low interest rate environment. The paltry returns on savings--the average rate on a one year CD is 1.3 percent--are 76 percent lower than even four years ago.

Glenn Daily on Buying Annuities and Why it Might Make Sense to Wait

Glenn Daily is one of the top financial advisors in the country. 

Specializing in life insurance and annuities, Glenn is widely...

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Bob MacDonald on the Unprecedented Opportunity in the Annuity Industry

Bob MacDonald has had a storied career as a leading entrepreneur and executive in the financial services industry.

Some of Bob’s roles include: president and CEO of ITT Life; founder, chairman and CEO of the highly successful LifeUSA, and; CEO of...

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What is M&E fees?

M&E fees (also referred to as mortality and expense charges) are part of the expense structure of annuities.  In general, these charges cover the insurance guarant

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