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The Annuity Advisor 2nd edition Paperback – January 19, 2009
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I wish I could find more books by them.
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Risk transference to an insurance company comes at a cost. Therefore it is important to evaluate your objective first. Secondly, determine if you are concerned about a risk to achieve that objective. Thirdly, does an annuity, or some other product, address that specific risk. Just like any other financial product, annuities are a tool designed to do specific things - guaranteed to address some specific risk. They are not swiss army knives that are a solution to do everything. The authors do a decent and balanced job explaining how to evaluate them.
With the recent market meltdown recently experienced, and the coming tide of retiring baby boomers, I suspect the attraction of annuities will grow. Why? Because annuities are risk management tools and hence, the reason they are sold by insurance companies (insurance is a risk management method). Even if you get one at the bank, there's an insurance company underwriting it. And this distinction is what gets most people in trouble - they view annuities as an investment.
This is a well balanced and educational work without sales hype or bias that is well written to easily follow along. The reader does not need to be in the industry to understand it.
Not just for advisors, CPAs, attorneys or insurance salespeople. Consumers should read this too.
How annuities work? Read
The Economic Theory of Annuities by Eytan Sheshinski
Wealth Odyssey: The Essential Road Map For Your Financial Journey Where Is It You Are Really Trying To Go With Money?