Annuities 101

Know Your Annuity Contract: Nursing Home Waiver

Almost all newer annuity contracts have a provision in them to allow access to all or most of your funds in the event of a need for a nursing home. The greatest fear of most senior adults is being confined to a nursing home and not being able to live in dignity. Annuity products have Read more >>

Annuity Beneficiary: An Important Decision

Annuities are contracts between an individual and an insurance company. These contracts allow for the naming of a beneficiary in the event of death of the annuitant. Because this is a contract, the beneficiary will receive the value of the annuity without the need of estate probate. The funds are paid immediately as directed by Read more >>

Annuity Payouts: Are You Informed About Your Options?

Annuity contracts offer numerous options to receive your accumulated funds as retirement income. Most of these options can be for a specific time period and options can provide you with income for your lifetime or your beneficiary’s lifetime. By understanding how these income options work and what available income can be derived from your annuity Read more >>

Split Annuities: Can They Work for You?

What are split annuities, and how do they work? The term split annuity would seem to mean an annuity split into two or more parts but actually it is only a concept. The concept is to place on deposit a certain amount of funds into one or more annuities to achieve an immediate need of Read more >>

What is The Best Annuity?

That question is best answered with another question. What is the purpose of the annuity? What would you like it to accomplish for you. Many companies and annuity marketing organizations will tell you about how great their annuity products are and generally their features and benefits are solid and well thought out. The issue isn’t Read more >>

Security is Spelled A-N-N-U-I-T-Y

In unsettling times, 1906, 1919, 1929, 1951, 1978, 1982, 1987, 2001 and other years the need for stability becomes important. Stability helps restore confidence is a stress remover and a confidence agent. Fixed annuities provide those features; they are safe, guaranteed, and secure and have no risk. As we accumulate funds for retirement, security, a Read more >>

Stop Watching the Volatile Market: Look at Fixed Annuities

The stock market goes up and goes down. When it goes up the financial planners and the stockbrokers tell us how much money we have made and how great the market is. The economy is fine and everything will be just perfect….rosy, sunny days lay ahead for all of us. Right? What happens when the Read more >>

The Glorious History of Annuities

Annuities have a long history dating back to the Roman Era when they were used as a form of gratification for loyal soldiers. These early annuities were given to soldiers as a thank you for military service. The first mention of annuities is recorded before the birth of Christ. In the United States annuities were Read more >>

Annuities Vs Bank CDs: How Do They Compare?

Annuities and CDs (bank certificates of deposit) are similar in that they are safe, secure investments with guaranteed rate of returns based on interest rates, both issued by large financial institutions, CDs issued by banks, Annuities offered by insurance companies, but they both possess inherent differences as well. The big differences are that while Annuities Read more >>

Annuity Calculators and Retirement Planning

Deciding how best to use your available retirement funds can be a big decision – for many people it becomes the biggest decision of their lives. In order for the retirement plan to make sense, several factors should be considered. An annuity calculator can assist in decision-making, calculating the present value of an annuity as Read more >>

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