Are annuities worth it? Branden DuCharme sits down with colleague Jace Austin — who spent nearly a decade writing life insurance and annuity contracts — for an honest, no-sales-pitch look at how these products really work.
They cover what makes an annuity an insurance product, the difference between the fees you can see and the "implicit" fees you can't, how fixed index annuities use floors, caps, and participation rates, and why contract terms can quietly get worse after year ten. Jace also shares his candid take on income riders and what to do if you already own an annuity you don't fully understand.
A balanced, plain-English conversation for anyone weighing guaranteed income against cost and flexibility.
DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.
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