Understanding Forced Annuitization: EDU #2623
June 10, 2026
Chris’s Summary: Jim and I continue our discussion on annuity basics before turning to a listener’s email centered on forced annuitization, a maturity date built into every annuity contract requiring annuitization or full distribution by a set age. A listener’s mother faces this deadline at 95 with a variable annuity that grew over 10x, creating a substantial IRD (Income in...
Listen NowSocial Security, Rule of 55, QLAC Timing, SPIAs: Q&A #2623
June 6, 2026
Jim and Chris discuss listener emails on whether Social Security should be compared to an annuity, Rule of 55 distribution rules, using period-certain annuities during the delay period, QLAC timing and taxes, and using a SPIA for Minimum Dignity Floor™ coverage. (5:20) The guys address a listener’s objection to describing Social Security as an annuity and whether that comparison is...
Listen NowAnnuity Basics: EDU #2622
June 3, 2026
Chris’s Summary Jim and I tackle annuity basics to start off another National Annuity Awareness Month. We cover what annuities are as insurance contracts, the four parties to a contract, the accumulation and distribution phases, and the key differences among the major annuity types. We also touch on tax deferral rules, LIFO treatment, and the historical and industry context behind why...
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