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Guaranteed Variable Annuities Explained

Like all annuities, guaranteed variable annuities represent a contract between an individual and an insurance company. In exchange for providing the insurance company with a specific amount of money, paid either as a single premium or multiple premiums over time, the insurance company ...

Understanding Annuity Company Ratings

Annuity company ratings are the opinions of the agencies that rate creditworthiness. The four largest credit rating agencies in the United States today are A.M. Best, Fitch, Moody’s Investors Services and Standard and Poor’s. These four agencies rate the financial status of ...

Selecting an Appropriate Annuity Type

Selecting an appropriate annuity type based on the age of the investor varies. However, certified financial planners and accountants usually agree that between the ages of 45 and 55 is the optimal point at which to purchase an annuity. An annuity, combined with other retirement accounts, ...

Why are Annuities Popular

Older investors in particular are drawn to annuities. Annuities are popular among this group because they can provide a guaranteed income stream for life, along with a guarantee of principle. For older investors who don't have large retirement accounts, the threat of outliving their ...

Where to Buy Top Variable Annuities

Variable annuities were introduced in the early 1950’s as a way for people to achieve greater rates of return while enjoying the guarantees and tax advantages offered through fixed annuities.  Their popularity reached its apex during the bull markets of the 1980’s and ...

Single Life Annuity

The fundamental premise of an annuity is its promise to pay a guaranteed stream of income for a specified period of time or for the life of the annuitant. Just as the government of ancient Rome used annuities to provide financial security for its citizens and soldiers, today’s life ...

Top Retirement Planning Mistakes

In recent years the vast majority of Americans have learned a very hard lesson, and that is that if they are going to be able to retire on time and in a manner in which that have envisioned, it will be up to them to ensure that it happens.  No longer can people simply ride the economic ...

Where to Find Top Fixed Annuities

With an increasing number of investors adopting a more conservative approach to long term savings and investments, the fixed annuity market is beginning to heat up. As the stock market continues to bewilder and spook investor of all types – young, old, novice and experienced – ...

Monitoring Your Annuity After Purchase

Annuities offer many unique features and benefits along with guarantees not found in other investment or savings vehicles. As such they can be somewhat complex involving many moving parts that must work together so that they can perform as expected. On the surface, the expectation of an ...

Alternatives to CDs

Bank CDs have been garnering more attention these days, not so much for their yields, which are somewhat unspectacular in this low interest rate environment, but more for their value as a safe haven from the ravages of a volatile stock market. But investors are experiencing CD shock which is ...

Annuity Help

For centuries annuities have been the vehicle of choice for people who are looking for a way to secure their capital and provide a stable, long term income for their retirement.  They have come a long way in terms of the benefits and amount of security they provide, and, at the same ...

Indexed Annuities Pros and Cons

Indexed annuities are often referred to as "hybrid annuities." They are a relatively new type of investment product. Introduced by several insurance companies in the late 20th century, they contain parts of fixed and variable annuities. Like fixed annuities, indexed annuities will ...

No Surrender Annuities

An annuity surrender charge is the amount the insurance company charges an annuitant if he or she withdraws more than the specified amount during a given time period. Most annuity contracts allow the annuitant to withdraw earnings or an amount worth up to 15% of the premium without a ...

Fixed Annuities Pros and Cons

Fixed annuities represent a contract between an individual and an insurance company. Annuities provide a contractual way for an individual to guarantee that he or she receives income for life. Other financial products like equities that pay dividends can also provide income. But the income ...

Fixed Tax Deferred Annuities

Fixed tax-deferred annuities are those on which a guaranteed amount of interest is paid regardless of market conditions and taxes are not paid on the earnings until distributions are paid out or the annuity is surrendered. If an annuity is fixed, it means that the insurance ...

No Load Annuities

An investment that charges a load is simply charging a sales fee. The fee can be an upfront fee, meaning that it is charged when the investor purchases the investment. An investment that charges an upfront fee is called a "front loaded" investment. If the investment is "back ...

Annuities Good or Bad

An annuity as an investment isn't in and of itself good or bad. It can, however, be an appropriate or inappropriate investment for a particular individual. Like all investments, annuities come in many shapes and sizes. There are fixed annuities that pay a set amount of interest each ...

Single Life Annuity

A single life annuity is simply an annuity, either deferred or immediate, that is owned by one single individual. It is not owned jointly between a husband and wife. With most single annuities, the payments end upon the death of the annuitant. However, there are a number of options for ...

Annuity Definition

At its most basic, an annuity is a contract between an investor and an insurance company. The investor gives the insurance company either a lump-sum premium, which is also known as a single premium, or he or she provides multiple premiums over time. The time during which he or she makes ...

Annuities Pros and Cons

Fixed annuities pay a fixed rate of return on the premium. The most popular type of fixed annuity is called an immediate fixed annuity. Immediate fixed annuities are funded with a single premium. They are usually purchased with cash from a savings account, the death benefit from a life ...