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Coles The Truth About Annuities: Building Guaranteed Lifetime Income Without Getting Sold at Bayshore Shopping Centre in Ottawa, ON
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Worried you’ll outlive your savings, but even more worried you’ll get talked into the wrong annuity? The Truth About Annuities answers the question most retirees are really asking: How do I create a paycheck I can’t outlive without locking up too much money or paying for bells and whistles I don’t need? If you’re approaching retirement, already retired, or helping a parent make income decisions, this book is your clear-eyed guide.
You’ll learn how annuities actually work behind the brochure: why “guaranteed income” can be valuable, where it’s overpriced, and how risk pooling and mortality credits can quietly boost lifetime payouts. You’ll tour the annuity menu—SPIAs, deferred income annuities, MYGAs, fixed indexed annuities, and more—so you know what each one is for. You’ll also decode the fee stack, riders, surrender charges, and illustrations, and learn to spot pitch-language that sounds safe but isn’t.
What makes this book different is its no-salesmanship approach: plain-English explanations, real-world examples, and checklists you can use immediately. The goal isn’t to sell you an annuity—it’s to help you buy the right amount, at the right time, for the right reason, and keep control of your retirement plan.
Worried you’ll outlive your savings, but even more worried you’ll get talked into the wrong annuity? The Truth About Annuities answers the question most retirees are really asking: How do I create a paycheck I can’t outlive without locking up too much money or paying for bells and whistles I don’t need? If you’re approaching retirement, already retired, or helping a parent make income decisions, this book is your clear-eyed guide.
You’ll learn how annuities actually work behind the brochure: why “guaranteed income” can be valuable, where it’s overpriced, and how risk pooling and mortality credits can quietly boost lifetime payouts. You’ll tour the annuity menu—SPIAs, deferred income annuities, MYGAs, fixed indexed annuities, and more—so you know what each one is for. You’ll also decode the fee stack, riders, surrender charges, and illustrations, and learn to spot pitch-language that sounds safe but isn’t.
What makes this book different is its no-salesmanship approach: plain-English explanations, real-world examples, and checklists you can use immediately. The goal isn’t to sell you an annuity—it’s to help you buy the right amount, at the right time, for the right reason, and keep control of your retirement plan.
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