Where most carriers make monthly or even weekly rate and cap changes, American Equity does not. In general they make 1-2 rate changes per year.  One of those rate changes is happening today.  American Equity is reducing their annual cap rates by an average of 0.50% and and their monthly caps by 0.10%.  With these [...]

A report from the National Center for Policy Analysis analyzed how spending habits have changed over the decades by comparing how middle-aged workers spend today to their cohorts 20 years ago. The report analyzed statistics from the Bureau of Labor Statistics’ annual Consumer Expenditures Survey and identified the top three areas in which boomers are [...]

Jay Wintrob, President and CEO of AIG Life and Retirement says, “The 2008 global financial crisis provided a financial wake-up call that people have taken to heart. They are now seeking a safer and more predictable road to retirement, one with less risk and more financial security.”  According to the AIG Retirement Re-Set Study, 72% of [...]

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There is an old story about the guy that goes into a restaurant for breakfast and asks what the special of the day was and the waitress responded it was a “tongue” sandwich. Appalled at the prospect of eating anything that came from the mouth of an animal, he ordered an egg sandwich instead.  The [...]