Securing Returns From Fixed Term Annuities

Profitable assets which offer fixed term annuities are a popular vehicle for investments. Faced with a volatile economy, one needs to think not only about securing your future with investments, but also investing in such a way that the investments themselves are secure.

Split Funded Annuities

which provides regular payments for a fixed period, while the latter is an accumulated account which accumulates cash value at interest. The value of the deferred annuity generally equals the combined value of the premiums paid for both annuities by the time the fixed annuity payments dry up. The immediate fixed annuity will provide a Read more >>

Annuitization vs. Systematic Withdrawal

Variable annuities typically offer a variety of payout options, ranging from highly flexible systematic withdrawals to pure life annuities which guarantee lifetime income payments. Between these opposites lie a wide range of payout strategies which combine extended payments with a minimum amount, or period, guarantee. A systematic withdrawal strategy fulfills your requirements while preserving and stretching the principal as far as possible.

Variable Annuities

Variable annuities allow the owner considerable flexibility to invest annuity premiums in any way they see fit. The risks involved are the same as investments in stocks, bonds or mutual funds. The investor gets to keep the entire profit from gains and is liable to bear the loss for any decline in the price of invested holdings.

Variable Annuity Buying Tips

Variable annuities bring many advantages to the table for investors looking for a secure and high value investment, especially for those concerned about a steady post retirement income. But with a proliferation of annuity products and issuing insurance companies competing to catch the eye of retiree investors, it becomes a lot easier if you know what you want, and more importantly, if you know what questions you need to ask.

Who should have an Annuity

Annuities, both fixed and variable, are tax deferred investment options which yield higher returns than traditional retirement plans, but with less of a risk than that faced with a direct investment in stocks and mutual funds. Annuities are particularly beneficial under a certain set of circumstances and for certain professions.

Top Ten Annuity Myths Exposed

Courtesy of Annuities Institute New market report reveals annuity critics are often biased and incorrect in their perceptions of annuities within retirement planning While annuities have played an integral role in retirement planning throughout most of the last century, a new report reveals that the average consumer is now ten times more likely to read Read more >>

Rating and Comparing Annuities

An annuity is a long-term financial contract, and permanent whole life insurance purchased as an alternative to annuities is also a commitment that could last for several years. Investors who wish to make a good decision can help themselves choose well by consulting annuity rating agencies in order to make an informed buying decision.

The Insurance Companies with the Highest Annuity Company Ratings

Only one company in the United States has simultaneously earned the highest credit rating possible from each of the four credit rating agencies, and that is the New York Life Insurance Company. The division of the company that sells immediate and deferred annuities is the New York Life Insurance and Annuity Company, and it offers Read more >>

Annuity Riders

Many people are familiar with the concept of riders and how a rider pertains to homeowner’s insurance. For example, if a homeowner possesses valuable art investments, the homeowner may elect to purchase an insurance rider in order to gain extra coverage beyond a standard policy, just to protect their art investment. An annuity rider is similar, in that it can be purchased by the annuity holder and then be attached to an annuity.

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