Annuities – what they are, how they work and how to choose the best type of Annuity
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One of the most advantageous aspects of annuities is that they are highly customizable. Annuity contracts can include specifications that make the annuity fit the personal needs of the annuitant. With such a wide variety of types of annuities, it is crucial for potential annuitants to research all of the options that are available. Keep […]
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 […]
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 […]
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 […]
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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 […]
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annuitant does not pay taxes on the earnings while they remain in the annuity, but taxes must be paid when the money is withdrawn.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 […]
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 […]
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 […]
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