Annuities

Fixed Indexed Annuities

What is the definition of an Indexed Annuity? The word annuity has its origins in a Latin term that means annual. Today, an indexed annuity is an investment product sold by insurance companies. Indexed annuities can be purchased through a series of contributions or in one lump sum. The money put into the fixed indexed Read more >>

The Annuity Guarantee: Safety and Security

An annuity is a contract sold by insurance companies designed to provide variable payments to the holder at designated time periods usually for retirement. The annuity owner holder is taxed only when funds are removed from the guaranteed fixed annuity. This accumulation benefit is also known as tax deferred or tax sheltered. The attractiveness of Read more >>

Immediate or Income Annuities?

Have you ever wondered how much money you would need to set aside for retirement? Most people have asked themselves that question and many are worried about their financial future. Income fixed and variable annuities address that need for retirement income and can be an essential part of your retirement plan. Many people have built Read more >>

The Tax Deferred Annuity

A tax deferred annuity is a plan in which income tax on an original deposit of invested income is not charged during the investment period. The tax liability is deferred until the owner or beneficiary begins to receive (or accesses funds) periodic payments of earnings from the invested funds. This benefit is known as tax Read more >>

Understanding Variable Annuities: Pros and Cons

Like all annuity options, variable annuity pros and cons drive the decision-making process. If you are considering the purchase of a variable or fixed annuity or if you already own variable annuities, make certain you fully understand in comparison how they work. Variable & Fixed annuity comparisons will make your decision easier. Understanding variable annuity Read more >>

Equity Linked Indexed Annuities (EIAs)

An equity linked indexed annuity is a contract between a person and an insurance company in which the insurance company contractually promises to make periodic payments to the owner of the annuity. In equity indexed annuities, the invested principal and contractual minimum interest rate are guaranteed or fixed, but the annuity’s annual return or crediting Read more >>

Make the Right Choice in Selecting a Beneficiary

Who should inherit your IRA or 401(k)? Your annuity? See that they do. Here’s a simple financial question: who is the beneficiary of your IRA? How about your 401(k), life insurance policy, or annuity? You may be able to answer such a question quickly and easily. Or you may be saying, “You know … I’m Read more >>

Tax Deferred Annuity

A tax deferred annuity is a plan in which income tax on an original deposit of invested income is not charged during the investment period. The tax liability is deferred until the owner or beneficiary begins to receive (or accesses funds) periodic payments of earnings from the invested funds. This benefit is known as tax Read more >>

Cash for Annuity Structured Settlements

Before we get into how, and where, to get cash by selling a structured settlements annuity, let us first consider what structured settlements annuities are, what benefits you get by keeping the annuity and under what situations it might be advisable to sell it off for a lump sum amount. A structured settle ments annuity Read more >>

Boomers And Hybrid Annuities

2006 saw frenetic activity in the annuity sector with sales worth $236 million. Much of this demand is fueled by baby boomers retiring at the rate 8000 per day. And with the impending crush of retirements, the insurance industry is gearing up for a once in a lifetime opportunity to offer innovative retirement plans. A Read more >>

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