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 >>

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 >>

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