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 - Types of Annuities

 - The Different Phases of an

 - Fees, Expenses and Bonuses
    to Watch For

 - Sub Accounts

 - 1035 Exchanges



Types of Annuities


  1. Fixed Annuities are for long-term investors, looking for secure and definite cash flow streams. The annuity holder pays either a lump sum (single premium), or regular payments (multiple deposits), to an insurance company, in return for a guaranteed dollar amount, to be paid in the future for a specified period of time (or one’s remaining lifetime). The interest rate received is a fixed rate, and accumulates tax free until paid. Interest rates offered are usually higher than CD and short-term money market rates, and are normally closer to long-term bond rates.
  1. Variable Annuities are for the more adventurous long-term investors, looking to participate in the financial markets to increase their payouts. Their returns are tied directly to predetermined benchmarks, such as market rates, indexes, or funds. Future payments may be fixed or variable. Usually, these policies have a minimum guaranteed payment, to migrate the downside risk. The key is that the returns will fluctuate.
  1. Immediate Income Annuities are for those investors needing payments to commence within a year of paying the premiums. Immediate annuities are ideal for retirement income, divorce settlements, and settling personal injury or wrongful death lawsuits.

Review the following topics for more information on annuities:
Different Phases of an Annuity
Fees, Expenses and Bonuses
Sub Accounts

1035 Exchanges



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