Table of Contents for “The Truth About Annuities and Retirement Income”

A review from a respected management professor (approaching retirement) said:

“I really like the new brochure. In fact, I learned a lot in reading it. I've got a friend that sells annuities and wants me to talk to him. Now I feel prepared. The layout is clean and attractive, the pictures are beautiful, and the text is very simple and gets right to the point. You get an A+.”

Introduction pages: Discusses the retirement environment—risks faced by the retiree, dynamics of financial markets, and longevity risk. A very brief history of income annuities and a description of the fixed income annuity’s main virtues follow on page 2.

Following the introduction pages, each page has a “truth” about annuities with a full, four-color page opposite, a high-quality photo depicting the information’s main message. The truth pages have supporting information, explanation, and documentation, when applicable:

Truth # 1: Annuities are not investments.

Truth # 2: You can never outlive fixed income annuity payments.

Truth # 3: Fixed income annuities are a safe asset class.

Truth # 4: Fixed income annuities can provide lasting income to a surviving spouse or other beneficiary.

Truth # 5: Annuities have liquidity options.

Truth # 6: Retirement savings and investments can be depleted without a lifetime income guarantee. (Illustrates retirement portfolios with an annuity and without, what income prospects look like.)

Truth # 7: Annuities provide a reasonable rate of return.

Truth # 8: A substantial portion of retirement income should be longevity-insured.

Truth # 9: Annuities are a simple, safe, asset-to-income strategy.

Truth # 10: Annuities are an asset class.

Inside Backcover: About this publication
The RSI bases its work and analysis on top academic researchers’ findings in the field of risk management and individual finance decisions. The work of Wharton’s Olivia Mitchell and University of Toronto’s Moshe Milevsky ranks highly, but also the research and analysis of credible public sources and think tanks plays a role. Author Jennifer Warren Kubik utilizes her 15-year background in economic and policy analysis alongside the most credible information available.

Backcover: About the Retirement Security Institute (RSI)
The RSI’s mission is to provide credible analysis and meaningful information about retirement security issues, focusing on health care and financial matters. The RSI is a knowledge company which produces a synthesis of research, information, and new ideas for both professionals serving the retirement market and retirees who need useful, straightforward information. www.retirementsecurityinstitute.com

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