Are Bonus Annuities Bad for Growth?

Did your financial advisor sell you a Fixed Index Annuity with a massive 10% or 15% upfront "Sign-On Bonus," but now your account value is barely growing? Are bonus annuities actually bad for your portfolio's growth? 🛑💸

In this video, Shawn Plummer from The Annuity Expert gives a candid breakdown of how actuaries actually price your contract. Using the famous "100 Pennies" rule, Shawn explains that insurance companies have a finite budget when building an annuity. If they allocate a massive chunk of those pennies to a guaranteed Premium Bonus, and another massive chunk to a Guaranteed Lifetime Income Rider, there is absolutely nothing left in the budget for upside growth!

However, Shawn reveals a brilliant workaround: if you want a massive premium bonus and high growth, you simply have to drop the income rider! Shawn uses the Athene Performance Elite series as a prime example of an annuity designed purely for accumulation, allowing you to capture a guaranteed upfront bonus while still earning high, penalty-free interest linked to the S&P 500 or NASDAQ.

👉 Read our complete guide and shop the best Bonus Annuities on the market right here:

https://www.annuityexpertadvice.com/types-of-annuities/features/premium-bonuses/

👉 Run your own math and calculate your exact guaranteed payouts here:

https://www.annuityexpertadvice.com/annuity-calculator-2/

📞 Need a free, objective portfolio review to see if a bonus annuity is right for you? Call us at: 770-755-1565

⏱️ Video Chapters:

0:00 - Intro: Are bonus annuities bad for growth?

0:24 - The Actuary Secret: The "100 Pennies" Rule

1:52 - When a bonus annuity is actually GREAT for growth (Dropping the income rider)

2:03 - Example: Using Athene for safe accumulation

2:54 - The Trap: Why combining a bonus with an income rider destroys your upside

4:30 - The 15-Year Lockup: How companies manipulate high payouts

5:34 - The Golden Rule: Less guarantees equals more growth potential!

6:08 - How to get free, objective quotes from The Annuity Expert