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Twelve Annuity Myths.
Busted With Straight Answers.
Get the unfiltered truth — free.
Annuities might be the most argued-about product in retirement. This handbook takes the twelve objections you hear most — the fees, the lock-ups, the "what if I die early" — and gives you the real answer to each one. Including the honest cases where the skeptics have a point.
Andrew Gaines
Lifetime Income Institute
Takes less than 2 minutes. 100% free.
12 MYTHS
THE ANNUITY
MYTH
HANDBOOK
HIDDEN FEES?
LOCKED UP FOREVER?
BAD RATES?
LIFETIME INCOME INSTITUTE
ANDREW GAINES
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Inside the handbook
Twelve things almost everyone gets wrong
Jump to whichever myth matches your own objection — no need to read in order. Each one gets the accurate answer, plus the honest version of the other side.
"Annuities are a bad investment"
"They're loaded with hidden fees"
"If I die early, the company keeps my money"
"My money is locked up forever"
"The payments never keep up with inflation"
"Annuities are only for people already retired"
"I don't need one — I have a 401(k)"
"The rates are terrible"
"If the insurer fails, I lose everything"
"The agent just wants the commission"
"They're too complicated to understand"
"Once I sign, I'm stuck"
Plus a section on when an annuity is the wrong choice — because that page is the reason you can trust the rest.
No filler, all signal
What you actually get
The other side
Six situations where an annuity is probably the wrong choice — and where an honest advisor should tell you so.
The five families, on one page
Fixed, indexed, variable, and income annuities compared side by side — growth, downside, fees, and best fit.
Your income floor worksheet
Five minutes with a pen gives you the one number any honest recommendation should be sized against.
Questions to ask any agent
Print them and bring them. How an agent answers tells you most of what you need to know.
One thing to know before you read it
Lifetime Income Institute helps people structure retirement income, and we earn compensation when readers choose to work with us. That means we have a financial interest in what you decide — which is exactly why this handbook also tells you when to walk away. We'd rather earn your trust than your signature.
Written for real people
Meet Andrew Gaines
Andrew runs the Lifetime Income Institute, where he helps everyday savers turn what they've built into dependable monthly income. He wrote this handbook because he'd rather you hear the truth about annuities — good and bad — from someone with nothing to hide.
Get the version that also tells you when to walk away
Twelve myths, three worksheets, and the questions worth more than the rest of the document combined.
100% free. Takes less than 2 minutes.
