Independent Review of the Jackson National Elite Access

What’s Covered in this Review?

Jackson National Elite Access

Jackson National Elite Access

In this review I’ll be covering the following information on the Jackson National Perspective II

  • Product type
  • Fees
  • Current rates
  • Realistic long term investment expectations
  • How it is best used
  • How it is most poorly used

What you’ll discover is that like all variable annuities, the Elite Access does certain things well, but there are certain limitations that you should know. Keep in mind, that some finer details regarding the performance of this variable annuity may not be properly explained to you by some agents.

It’s absolutely critical that you know the key differences for yourself, so that you can ensure you made the best decision and it fits into a sound financial plan.

Annuity And Retirement Income Planning Information That You Can Trust

Maybe you’ve stumbled across my website for the first time and don’t know much about what I do. I’m a fee only financial planner and what some may consider a math geek. I don’t get compensated to sell annuities, nor do I personally sell them.

What are the Average (real) Returns of Fixed Indexed Annuities?

index annuity returnsHere at AnnuityGator.com we regularly break down popular annuities and “test” them to determine what realistic return expectations should be. This exercise has been fun, but it is hypothetical – i.e., it’s based on taking their current structure and using historical data to see what they would have done in the past.

Yesterday I saw a cool article that showed what the average index annuity performance has actually been from 2007 to 2012. The results didn’t surprise me, but they might surprise others.

The study was done by Advantage Compendium and can be found here. It’s based on the actual returns of real index annuity policies, not backtested or hypothetical returns.

Index Annuity Average Returns

Here’s what the study found:

The average annual return of all actual index annuities in study was 3.27%.  The range of returns was 5.5% average annualized (best) and 1.2% average annualized (worst).

On the surface, this doesn’t sound too bad. However, it really depends on what you compare them to.  For example, during this same time period here’s the returns of a couple no load, low cost index funds; as well as some blends of the two showing some simple asset allocations:

Independent Review of the Metlife Preferred Plus Variable Annuity

Metlife Preference Plus Income Variable Annuity

Metlife Preference Plus Income Variable Annuity

What’s Covered in this Review?

In today’s review, I’ll be covering the following information on the Metlife Preferred Plus Variable Annuity:

  • Product type
  • Fees
  • Current rates
  • Realistic long term investment expectations
  • How it is best used
  • How it is most poorly used

There are certain things that the Preference Plus Income Annuity does well compared to other variable annuities, however there are certain limitations as well. There are also certain details some agents might say about how well this annuity performs that are not entirely true or accurate.

It’s really important that you fully understand the differences (between what advisors may say, and how the product actually works), so you can see for yourself if it’s really a good fit as part of your financial plan.

Annuity And Retirement Income Planning Information That You Can Trust.

If you’ve found this website for the first time and don’t know much about me, I’m a fee only financial planner and what some may call a math geek. I don’t get compensated to sell annuities, nor do I personally sell them. Unlike many other fee only planners, I do think annuities can play a part of a comprehensive financial plan when used properly.

Independent Review of the Prudential Defined Income Variable Annuity

Prudential AnnuitiesWhat’s Covered in this Prudential Defined Income Annuity Review?

In today’s review, I’ll be covering the following information on the Prudential Defined Income Variable Annuity:

  • Product type
  • Fees
  • Current rates
  • Realistic long term investment expectations
  • How it is best used
  • How it is most poorly used

The Defined Income Annuity does a few things really well compared to other variable annuities, but there are certainly limitations. There are also details some agents might say about its performance that are not entirely true.  It’s important you understand the differences (between what advisors say, and how the product really works), so you can determine if it really is a good fit as part of your financial plan.

Annuities can be complex.  That's where having an Annuity Investigator who loves math comes in.  We make the complex, simple.

Annuities can be complex. That’s where having an Annuity Investigator who loves math comes in. We make the complex, simple.

Annuity and Retirement Income Planning Education You Can Actually Trust

For readers who have found this website for the first time and don’t know much about me, I am a fee only financial planner and supremely proud math geek. I don’t get paid to sell annuities, nor do I personally sell annuities.

Independent Review of the Jackson National Perspective II Variable Annuity

What’s Covered in this Review?

In this review I’ll be covering the following information on the Jackson National Perspective II Variable Annuity

  • Product type
  • Fees
  • Current rates
  • Realistic long term investment expectations
  • How it is best used
  • How it is most poorly used

What you’ll find is that like all variable annuities, the Perspective II does some things well, but there are some limitations that you should be aware of. Bear in mind that some finer details relating to the performance of this variable annuity may not properly explained by some agents.

It’s absolutely important that you understand the key differences for yourself, so you can be sure that you made the right decision and it fits into a sound financial plan.

Annuity And Retirement Income Planning Information That You Can Trust

Perhaps you have stumbled across my website for the very first time and don’t know much about what I do. I am a fee only financial planner and self professed complete and utter math geek. I don’t get paid to sell annuities, nor do I personally sell annuities. I do like writing about them though so that others can benefit from my research.