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Annuities – what they are, how they work and how to choose the best type of Annuity

Found 137 Articles.
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What is a Fixed Index Annuity?

August 5, 2021

Annuities are a financial instrument that include a contract between the annuity owner and the insurer. Within the contract, there are various decisions and specifications that must be made. The varying choices that the annuitant can make result in a wide variety of types of annuities. This article will focus on fixed index annuities and […]

What is a Deferred Annuity?

August 5, 2021

Annuities are a versatile financial tool that can be used to ensure that retirees do not outlive their income. There are numerous decisions that an annuitant must make when purchasing his or her annuity. One of these decisions is whether or not the annuitant would rather begin to receive payouts immediately or delay the payouts […]

What is a Joint and Survivor Annuity?

August 5, 2021

Simply put, an annuity is a long-term investment, issued by an insurance company, that is designed to prevent retirees from outliving their income. However, annuities can become complex because there are numerous special options available for an annuitant to add to his or her annuity contract. One such option is to make the annuity a […]

What is a Longevity Annuity?

August 5, 2021

An annuity is a contract between an individual and an annuity provider. Under the contract, the individual makes an initial investment in return for the guarantee that the provider will make monthly payments to the investor in the future. There are various types of annuities. This article is going to focus on longevity annuities and […]

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What is a Non-Qualified Annuity?

August 5, 2021

Annuities are tax-deferred, meaning the money invested in the annuity grows without being taxed until the payout occurs. The annuitant does not pay taxes on the earnings while they remain in the annuity, but taxes must be paid when the money is withdrawn. The rate at which payouts are taxed depends on how an annuity […]

What is a Single Premium Deferred Annuity?

August 5, 2021

An annuitant who buys a single premium deferred annuity (SPDA) does so by making a cumulative payment and then waiting to receive payouts at a predetermined time in the future. The single premium deferred annuity allows the annuitant to build the value of the original lump sum payment by collecting interest payments each year. The […]

What is a Single Premium Immediate Annuity?

August 5, 2021

A single premium immediate annuity (SPIA) is a contract between an insurance company and an annuity owner, also known as an annuitant. The annuitant makes a lump sum deposit, and the insurance company promises to make regular income payments to the annuitant. The payments usually begin shortly after the contract is entered into (often within […]

What is a Straight Life Annuity?

August 5, 2021

Under a straight life annuity contract, the annuity makes payouts on a regular basis for the remainder of the annuitant’s life, no matter how long the annuitant lives. The payments end when the annuitant passes away. Additional payments aren’t made to a beneficiary. The following is an example of a straight life annuity, which also […]

August 2022:
Congress Comes for your Retirement Money
A devastating new law has just been enacted, with serious consequences for anyone holding an IRA, pension, or 401(k). Fortunately, there are still steps you can take to sidestep Congress, starting with this ONE SIMPLE MOVE.

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