Annuities: Smart Retirement Income

By Walter UpDegrave – Money – March 29, 2018

WHAT'S YOUR PLAN FOR RETIREMENT? - PUZZLE CONCEPTPeople have long been conflicted about annuities. On one hand, they like the guaranteed lifetime income that only these insurance products can provide retirees, but they don’t like giving up access to their savings. 

They can easily resolve the conflict by giving up control of a modest portion of their nest egg – say, 20% to 30% – and investing in an annuity to receive steady income they won’t outlive.

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Medicare Policies

Snapshots of information that impacts AmeriLife’s business model

From the Medicare Payment Advisory Commission’s Report to Congress – March 2018

Over the past four decades, total personal health care spending increased from $0.1 trillion to $2.8 trillion. During this period, out-of-pocket spending (cost sharing, deductibles and services not covered by insurance) as a share of total personal health care spending declined from 31% to 13%, while the shares accounted for by private health insurance, Medicare and Medicaid all increased. At the same time, Medicare has remained the single largest purchaser of health care in the United States.

Personal Out-of-Pocket Health Care Spending

1976: $0.1 Trillion                                                 2016: $2.8 Trillion

Personal Out-of-Pocket Health Care Spending

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Medicare Policies

Snapshots of information that impacts AmeriLife’s business model

From the Medicare Payment Advisory Commission’s Report to Congress – March 2018

3d Medicare Word Cloud Concept with great terms such as healthOver the next 15 years, the Medicare population will be relatively younger, as members of the Baby Boom generation join and increase the number of beneficiaries in younger age categories. The share of the Medicare population 85+ is projected to decline slightly through 2025, and then grow as Boomers continue to age. So the changing age structure of the Medicare population will exert somewhat less pressure on spending in the very near term, at least on a per capita basis, and then pressure will increase again over the longer term.

The Medicare Population Will Get Younger, Then Older

Age Graph 2015-2060

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You Know You Can Do Better

continuous improvement concept on the gears, 3D renderingBy Anthony Iannarino – The Sales Blog – March 26, 2018

The results you’re producing right now are but a fraction of what they could be. You’re capable of more. You’re also capable of better. Sometimes you show up to work and leave the best part of you behind – you show up without the part of you that’s passionate, empowered and inspired.

That’s the part of you that does more than punch a time clock and pass time with what amounts to busy work. You know you can do better. Do your best this week.

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Post DOL: Focus on Retirement Income

Hand of male or female putting coins in piggy bank with money stack step growing growth saving money. Concept finance business investmentBy Meaghan Kilroy – Pensions&Investments – March 23, 2018

The DOL and other groups might have the time and capacity to work on retirement income strategies, now that a U.S. appellate court decision has vacated the Fiduciary Rule, industry experts. Michael P. Kreps, a principal at Groom Law Group, said he is doubtful the DOL would appeal the March 15 federal appeals court decision vacating the Fiduciary Rule. Potentially free from having to focus their time on the rule, DOL regulars might turn their attention to other issues, such as lifetime income, instead, Kreps said.

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The Graying of America

Blackboard Business Strategy ConceptA nation growing older, quickly

By the U.S. Census Bureau – March 27, 2018

The year 2030 will mark a demographic turning point for the United States: in that year, all Baby Boomers will be 65 or older, making one in every five Americans of retirement age. In 2035, the Census Bureau projects that older adults will edge out children in population size: those 65+ are expected to number 78.0 million, while children under age 18 will number 76.4 million.

 

 Older Adult Population: 2020 to 2060

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