We're here to help you understand annuities and how they can benefit you.
The participation rate in a fixed indexed annuity determines how much of the gain in the chosen index will be credited to your annuity. It is expressed as a percentage.
For example, if your annuity has a 70% participation rate and the index gains 10%, your annuity would be credited with 7% interest (70% of 10%). This rate allows you to benefit from positive index movements, but you might not receive the full gain as the participation rate limits the share of the index increase that you earn. This covers the insurer's costs to provide you with valuable capital protection.
The participation rate can vary depending on the annuity contract and the specific terms set by the annuity provider. We list all participation rates transparently within our marketplace.
The application typically takes 15-30 minutes to complete. You can navigate between sections and your progress will be saved automatically, allowing you to exit and return later if needed.
Information Gathering:Within 1-2 business days, the team will review your application and reach out for any necessary clarifications. You will receive the final insurer application for review and signature before submission.
3. Insurer ProcessingProcessing usually takes a few weeks for the insurer to accept the application, process the funding, and issue the policy. Transfers, like a 1035 exchange, might extend this timeframe.
4. Policy ReceiptOnce processed, you'll receive formal policy documentation. There's a "Free Look Provision" period (typically 10-30 days) where you can cancel the policy without penalties.
5. Manage Your AnnuitiesWe’ll provide access to an online portal to keep track of your annuity, with assistance available for key milestones, such as when the rate guarantee ends.
This process ensures you have a thorough understanding and control over your annuity application and management.
Annuities are designed to provide financial security and predictable returns, but the potential for losing money depends on the type of annuity and its specific features.
Note: At Revise, we only offer market-loss-protected annuities.
Here's a breakdown of the three main types of growth annuities:
Fixed Annuities (offered by Revise):
Fixed Indexed Annuities (offered by Revise):
Variable Annuities (not offered by Revise):
Reducing retirement risk
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