by Jay Adkisson
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Product Description
Few individuals have done more to educate the American public about financial scams than Jay Adkisson. As the creator of Quatloos.com, Jay has helped many thousands of people worldwide avoid being scammed out of many millions of dollars to various investment schemes. The U.S. Senate Finance Committee has twice called Jay as an expert witness on abusive tax schemes. As one of the authors of Asset Protection: Concepts and Strategies (McGraw-Hill 2004), Jay has similarly helped thousands of people avoid dubious asset protection schemes. In his latest book, Equity-Indexed Annuities: The Smart Consumer’s Guide, Jay gives a balanced and objective overview of this advanced form of fixed annuity to better educate consumers of the advantages, disadvantages, and the numerous product options that are available when considering the purchase of this popular retirement vehicle. This short guide covers all the most important issues that consumers should address before purchasing an equity-indexed annuity, including: How the minimum interest rate is paid, how the maximum return is linked to the stock index, and how participation rates and caps may limit returns.
How surrender charges may limit withdrawal rights for a period of years after the annuity is purchased, and why the annuity should not be purchased if the consumer will need the cash during this period.
How the annuity payments may be made, and what can happen upon the death of the annuitant.
How annuities benefit from tax-deferral, how taxes are paid upon withdrawal or when annuity payments are made, and tax considerations upon the death of the annuitant.
How the annuity and annuity payments may be protected from creditors in some states, and how in other states they may be protected by proper planning done in advance of claims. This guide should also give consumers the ability to intelligently answer the most fundamental question: Is an equity-indexed annuity right for me?
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Average Customer Review:
0 of 0 people found the following review helpful:
 Equity-Indexed Annuities: The Smart Consumer's Guide, 2009-06-20
The first half of the book had some basic information on EIA which was easy to read, but the last half of the book was public information that is available on the web, such as the BUYER'S GUIDE TO EQUITY-INDEXED ANNUITIES prepared by the National Association of Insurance Commissioners. The book may make a good handout for someone who is interested in Equity Indexed Annuites and who is unfamiliar with the product. Otherwise, the book doesn't go into any great depth nor does it fully explain equity indexed annuities as well as it could if the author would have written more of the book rather than using public documents.
0 of 0 people found the following review helpful:
 Easy Read, 2008-11-12
I was looking for a good reference guide for my clients. This book was very easy to read and understand, I would highly recommend this for anyone who wants to understand EIA's.
0 of 0 people found the following review helpful:
A lot of info, 2008-10-19
I thought this is very informative for my clients to read when they have questions on all the different annuities being offerd today. I highlighted text for them.
1 of 1 people found the following review helpful:
Excellent Book Overall, 2008-09-11
This book is a very balanced explanation and review of the Indexed Annuity landscape. While some criticisms are not applicable to all products this small book does a very credible job of getting all the important issues on the table. I recommend this book to all that would like to learn more about this savings vehicle. Jeff Clark CPA
1 of 1 people found the following review helpful:
EIA's, 2007-12-30
Excellent, easy to understand manual you must read before embarking on a purchase of EIA's.
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