EquiTrust Life Insurance Company Review EquiTrust Life Insurance Company was founded in 1966 and offers competitive annuity solutions for those who are approaching or already in retirement. EquiTrust was recognized among the “Wards 50” of top life and health insurance companies for the seventh consecutive year in 2022, Financial Ratings A.M. Best B++ (5th of 15 ratings) Standard & Poor's BBB+ (8th of 20 ratings) Comdex 39 (percentile of rated companies) Learn about Life Insurance Company Ratings Assets & Liabilities Assets: $25,286,122,881 Liabilities: $23,538,766,661 Ca ..read more

Planning for retirement is crucial to ensure financial stability in our later years. One popular retirement savings vehicle is the Individual Retirement Account, commonly known as an IRA. In this comprehensive guide, we will explore the fundamentals of IRAs, their benefits, types, contribution limits, tax advantages, and withdrawal rules. By the end, you’ll have a solid understanding of IRAs and be better equipped to make informed decisions regarding your retirement savings. What is an IRA? An Individual Retirement Account (IRA) is a tax-advantaged investment account designed to help individ ..read more

When it comes to planning for retirement, understanding the rules and limitations of individual retirement accounts (IRAs) is crucial. Among the various types of IRAs, the Roth IRA offers unique advantages. However, many individuals wonder how many Roth IRAs they can have and whether it is legally permissible to hold multiple accounts. In this article, we will delve into these questions and provide a comprehensive overview of the regulations surrounding multiple Roth IRAs. Can You Have More than One Roth IRA? The answer is a resounding yes, you can have as many Roth IRAs as you would like ..read more

Living with a disability can have negative impacts both physically and mentally.  Social Security Disability Insurance (SSDI) may be able to provide you and your family some financial relief if you are unable to work due to a disability. The SSDI qualification process is complicated; this guide provides a broad overview that should help you decide if you can apply for disability or if you can bypass the application process due to the Social Security Disability 5 year rule. What is the Social Security Disability 5 Year Rule? The Social Security Disability 5 Year Rule eliminates the req ..read more

If you are approaching retirement or already enjoying it, deciding what to do with your 401(k) is a big and potentially challenging decision. This guide compares annuity vs. 401(k) plans head-to-head.  We will thoroughly compare and contrasts the differences, advantages, and disadvantages of these two retirement savings vehicles. If you are contemplating whether or not it is a good idea to rollover your 401(k) to an annuity then this guide is written just for you. Let’s dive in! Understanding the Differences Between Annuities and 401(k) Plans An annuity is a financial product that of ..read more

What is a Recession? Within the intricate workings of the economy, recessions emerge as significant downturns and test the resilience of nations.  A recession can cause businesses to fail and people to lose their jobs. While it is clear recessions are not a good thing; providing a precise definition of a recession proves to be more difficult. What Happens During a Recession? A recession is typically defined as a period of at least six months when the economy experiences negative growth for two consecutive quarters. Several factors can contribute to this, such as reduced consumer spen ..read more

There’s no denying that recessions are harsh. They bring about business failures, job losses, and economic downturns.  But have you ever wondered what exactly happens during a recession? And more importantly, how can you safeguard yourself and your business? This comprehensive guide will delve into the answers to these questions and equip you with valuable insights. What is a Recession? A recession is typically defined as a period of at least six months when the economy experiences negative growth for two consecutive quarters. Several factors can contribute to this, such as reduced c ..read more

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Synchrony Bank CD Rates Reviewed In this guide, we’ll review Synchrony Bank CD rates and compare them to the best CD rates, savings accounts, money market, and annuity rates offered by the top Banks and insurance companies in the United States. Synchrony Bank is one of the largest banks in the United States. To give you an idea of just how big they are; on 10/25/2022 Synchrony Bank reported $703 in net income for the 3rd Quarter of 2022 With the recent market fluctuations and an increase in financial insecurity, the time to protect your finances is now. Investi ..read more

VALIC Variable Annuity Life Insurance Company Profile & Review Download Learn all about Corebridge Financial (formerly AIG Retirement Services). Corebridge Corporate Brochure Have a question? Speak with a licensed annuity expert Monday through Friday, 8:30 AM to 5:30 PM EST. Contact Us VALIC Annuities VALIC – The Variable Annuity Life Insurance Company was founded in 1955 and is based in Houston, Texas.  VALIC was a part of American International Group (AIG); however,  AIG Retirement Services is now Corebridge Financial Group. VALIC is a wholly-owned subsidiary o ..read more