When you buy an annuity from us, your terms will be fixed. You will be able to understand how the value of your policy will be calculated not only this year, but also every year that your policy is in force with us. And of course, by selling directly to consumers, we are able to put more of every dollar you invest with us to work for you. Low costs are the only way to offer high value to customers. At BHG, our goal is to attain the lowest costs in the industry.
Life insurance can be a complicated business.
Like many investments, getting abnormally high returns on an insurance policy requires you to take some form of risk. High returns can be obtained by investing in a risky class of asset, by buying from a company with poor credit ratings, or by buying from a company that is very aggressive with its assumptions. Aggressive assumptions can hurt consumers in a variety of ways, and they are not always immediately apparent. The most common way this happens is when a company shows how the value of a policy will grow based upon current assumptions , which may remain current for only a short time. Take a Single Premium Deferred Annuity, for example.