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Articles about Variable annuity (0-50 of 134)

  • The Different Types Of Annuities: Deferred, Immediate, Fixed, Variable, And Index"
    By: Jonathan M. Tyler | - When you hear about deferred annuities and immediate annuities, you may not realize that these can be several different types of products, such as variable annuities, fixed annuities or indexed annuities. The difference is that a deferred annuity defers payment to a later date. The immediate annuity starts payments the first month after the contribution to the product.

    Most people find their head swimming when faced with all the possible choices in annuity products. Often they don' ...

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  • Immediate Annuities.... Need Money Now
    By: Annuity Zing | - If you purchase an immediate annuity, you are instructing the company to start sending you checks as soon as possible. Immediate annuities are designed for individuals or couples who want to rely on receiving a specific amount of money. The money may be the person or couple's sole source of income or merely a supplement to other monies coming in. The check can be used for anything you wish; after all, it is your money.

    The checks can be sent either monthly, quaterly, semiannualy, or ...

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  • Equity Indexed Annuity
    By: John T. Johnson | - Fixed Annuity insurance is a good way to create a great deal of income these days. If you are searching for annuity insurance leads, then this article is just meant for you.

    Fixed Annuity is an insurance contract that comes into existence when an individual gives the insurance company payment either as a series of payments or a single lump-sum, which may grow tax deferred and then distributed back to the owner for a fixed period of time. Typically Annuities are also termed as pensio ...

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  • Single Premium Vs. Flexible Premium Annuities
    By: Steven Hart | - There are two different ways that a premium payment can be made for an annuity. The payment can be a single lump sum, or it can be in multiple installments. The terms used to describe the available payment schemes are single premium and flexible premium.

    Single premium annuities are purchased with a single deposit amount. The contract can be a deferred or immediate. A flexible premium annuity is, however, purchased with multiple amounts of money over a period of time. This type of a ...

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  • Provider Overview: Metlife Annuities
    By: Steven Hart | - MetLife was founded in 1868, but the origins of the company actually go back five years earlier to 1863. It was then that a group of New York businessmen founded the National Union Life and Limb Insurance Company. This company insured Civil War veterans against disabilities due to wartime incidents. After several reorganizations, the companys leaders decided to focus on life insurance to be sold to the middle class.

    MetLife, or under its full name Metropolitan Life, was born. Th ...

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  • Provider Overview: Massmutual Annuities
    By: Steven Hart | - MassMutual was originally established in 1851 by George W. Rice. Rice was an insurance agent for a Connecticut life insurance company wanting to open a similar business in Massachusetts. He started the Massachusetts Mutual Life Insurance Company which became a true mutual company a company owned by its policyholders soon after it was started.

    Today, the company is based in Springfield, Massachusetts and Enfield, Connecticut and has grown from a personal insurer to an intern ...

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  • How To Shop For Variable Life Insurance
    By: Steven Hart | - Variable life insurance was created to combine the benefits of permanent life insurance with the benefits of other diversified investment products. Purchasers are able to decide which portion of the premiums is allocated to investments and how much is put into the permanent life insurance side of the product.

    When a variable life policy is purchased, the investor is allocated a cash value account which can be invested in sub-accounts. Purchasers can chose from various financial inst ...

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  • Shopping For Annuity Quotes Online
    By: Steven Hart | - As everyone knows, the Internet allows easy access to information and the ability for someone to remain anonymous while they search for the exact piece of information that they need.

    The search for annuity information and quotes online is no different. The Internet can be very helpful to an investor who is looking to obtain annuity quotes and tips.

    However, as with all Internet searching, there are a few things that every potential annuity purchaser should consider be ...

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  • What An Annuity Is And How It Works?
    By: Annuity Zing | - An annuity is an investment you make through an insurance company. It represents a contractual relationship between you and the company. And, although offered by only the insurance industry, annuities have little, if anything, in common with insurance coverage. Annuities are marketed and sold through insurance agencies, banks, savings & loan (S&L) institutions, brokerage firms, financial planners, and investment advisers.

    When you purchase, or invest in, an annuity you are given cer ...

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  • How Annuities Are Regulated
    By: Steven Hart | - There are three fundamental different annuity types: fixed, variable, and indexed annuities. Many people believe that all annuities are regulated the same way. However, they are not. The annuity regulation involved depends on the type of annuity product. If youre considering purchasing an annuity, it is important to understand how the different types of annuities are regulated.

    Fixed annuities earn interest at a set rate during the accumulation period of the annuity. During the ...

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  • Comparing Variable Annuities With Mutual Funds
    By: Steven Hart | - Variable annuities are not the only retirement planning investment option. Actually, there are many alternatives, such as mutual funds, the stock market, a 401(k), a money market, or CD. It is recommended that investors keep a level of diversification in their investment portfolio so that downturns in one instrument can be mitigated by another.

    One investment alternative that is often compared to a variable annuity is a mutual fund because of its similarity.

    Both produ ...

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  • How To Compare Insurance Annuity Rates
    By: Matt Gray | - One way to safeguard your future is to prepare for it and the best possible way to do this is to invest in annuities. Many individuals often make the mistake of signing the first annuity they find. This will actually make you regret later on as other companies may provide you with better annuity rates that is why it is imperative to first make a comparison.

    Insurance annuities come in different types; thus, it is wise to know the ones available for you. There is fixed annuity rate ...

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  • When Looking To Invest In Annuities To Achieve Higher Retirement Returns
    By: Chris Nicholl | - When looking to invest in annuities to achieve higher retirement returns, it can be a little confusing deciding on a plan to suit your investment style and requirements. Understanding the three main types of annuities: variable, fixed, and indexed which can be classified into two main categories, immediate or deferred will help you to define your ideal annuities plan. There are 7 main motivating factors that influence peoples decision to include annuities in their retirement investment ...
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  • Top Annuity Companies
    By: Steven Hart | - Annuity products are available from multiple providers. It is important for anyone that is considering purchasing an annuity to know who the top annuity companies are. Below is a list of five top annuity companies and a description of their products and services.


    MetLife:

    MetLife was founded in 1868 in New York City. MetLife offers a variety of financial and insurance products, including annuities, mutual funds, estate planning, education planning, and portfolio ...

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  • Provider Overview: Jackson National Annuities
    By: Steven Hart | - Jackson National Life Insurance Company was a family-owned company that was formed in 1961. The company was named after Andrew Jackson, the seventh president of the United States.

    Although it is a young company, when compared to some of the other insurance giants, it has had many accomplishments that it can be proud of. Amongst its many achievements is the fact that the company introduced an early version of universal life insurance eight years before another company offered a simi ...

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  • Social Web Results
  • The high cost of guaranteed 'living benefits' income | News for Dallas, Texas | Dallas Morning News | Scott Burns |... Shared By: mathismylife - It's not surprising that living benefit variable annuity contracts now account for a majority of all variable annuity sales. If the market goes down,...

  • Jg Wentworth | The Fixed Annuity Shared By: DarrylThomas83 - Guaranteed Lifetime Withdrawal Benefit Variable Annuities are Not for Everyone - Don’t be Tricked with High Pressure Sales! Get the Straight Talk!

  • Annuities Insurance | Masterdex10 Shared By: DarrylThomas83 - Most variable annuities charge asset-based insurance, such as a rate of mortality and expense (M & E) fees. The average VA insurance are typically...

  • Deferred Annuity | Masterdex10 Shared By: DarrylThomas83 - Variable annuities are more financing options and fixed annuities that their performance depends on the choice of capital investment and return will...

  • America's Most-Hated Investments? Shared By: SherylGarrett - They’re everyday investments that saw many investors burned in the past year: preferred stock, corporate bonds and variable annuities. Based on data...

  • TIAA-CREF - Glossary Shared By: TC_Talks - A share of participation in a Variable Annuity. At retirement, accumulation units are converted to Annuity Units. To calculate the current value of the...

  • America's Most-Hated Investments? Shared By: themoneyladder - They’re everyday investments that saw many investors burned in the past year: preferred stock, corporate bonds and variable annuities. Based on data...

  • The Fixed Annuity Advantage Shared By: drjpower - The initial annuity advantage is derived from the nature of the product itself, which allows for a distribution of payments once the policy is...

  • Personal Finance - Annuity rates fall to record lows Shared By: ftmoney - Annuities are designed to offer individuals a fixed or variable stream of payments at a later point in time. In spite of the recent recovery in the...

  • Insurance News Net Shared By: InsNewsNet - The model, which applies to consumers of all ages, seeks to impose on life insurers an express obligation to ensure their variable annuities are sold...


  • Provider Overview: Axa Annuities
    By: Steven Hart | - AXA Equitable Life Insurance Company has been in business since 1859, when it was started by Henry Hyde. It was formally known as The Equitable Life Assurance Society of the United States and was set up in New York City. The company claims to have been an earlier developer in annuity concepts because it introduced a deferred annuity product called tontines in 1868.

    Today, it is a leading financial company that offers life insurance and investment products and services in addi ...

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  • Tips For Investing In Variable Annuities
    By: Steven Hart | - The most important factor when trying to decide which fixed annuity to purchase is the guaranteed rate. However, this is not a feature of variable annuities, and often customers find it difficult to know how to find the best variable annuity contract for them. With variable annuities, it is important to compare all of the contract details and search for the best product that has the widest range of options and the lowest fees.

    Although it means reading all the fine print, the prosp ...

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  • Provider Overview: Lincoln Annuities
    By: Steven Hart | - The Lincoln Financial Group was founded in Fort Wayne, Indiana in 1905. The companys original founders wanted to establish an insurance company that customers could rely on one that was dependable and honest. They, therefore, chose Abraham Lincoln to represent the founding ideas of the new company.

    The original corporation was called the Lincoln National Life Insurance Company. Through the years, it has grown into one that serves the financial needs of customers throughout ...

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  • 1035 Exchanges Explained
    By: Steven Hart | - An annuity policy that was appropriate for a purchaser at one point in time may not always be the best investment option at a later date. Financial situations change as investors age. In addition, annuity companies are continuously updating their products to meet changing market needs. As a result, an annuity may become outdated for the annuitant, or it may just be underperforming. At some point in time, an investor may find that he would like to exchange his annuity contract for a new one.

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  • Investment Scam Alert 2009: Spread The Word
    By: Steve Selengut | - This is a real world situation that could impact each of you as professionals, investors, and friends of persons who could fall for such schemes. So please get angry about it!

    An envelope arrived yesterday from a worried investor (not a client of mine) in Appleton, Wisconsin. He had been contacted with an "investment partner" opportunity touting a "guaranteed investment program" that would absolutely "double and triple his money every sixty days" with no worries, work, or risk inv ...

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  • Pitfalls Made By Annuity Shoppers
    By: Steven Hart | - As with any investment vehicle, annuities can be confusing if they are not researched properly. There are some common mistakes or annuity pitfalls that investors often make when purchasing annuities. Each type of annuity fixed, variable, and index has its own unique pitfalls which need to be taken into consideration.

    Variable Annuity Pitfalls:

    1.Diversification is important to balance out the downturns in any one investment. Advice varies on diversification levels, ...

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  • Understanding Annuity Tax Deferral
    By: Steven Hart | - Annuities can offer many advantages when compared to other investment instruments. One of these advantages, and some would say the biggest advantage, is tax deferral.

    Annuity tax deferral allows investments to have gains that grow tax free. In other words, the accumulation period is free of tax. The taxes are however due when the distribution period is started for the annuity. At distribution, gains are taxed as ordinary income rather than as capital gains. This treatment is because ...

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  • Overview Of Annuity Types
    By: Steven Hart | - In general, an annuity is a contract in which an investor pays a premium or a series of premiums, and in return the insurer makes a series of income payments. Normally, annuities are purchased to secure future retirement income for individuals.

    There are three basic annuity types: fixed, variable, and indexed. A particular company may be calling their annuities something slightly different. However, all annuities can be classified into these three types.


    Fixed An ...

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  • Benefits Of Annuity Investment
    By: Steven Hart | - An annuity is an investment option that offers an insurance component to individual investors. Annuity investments get their name because the investor has the ability to convert their investment into a set of periodic income payments (an annuity) either over the investors life or over a set number of years.

    There are two main reasons for choosing annuities:
    The guaranteed income stream is important.
    Saving money over the long-term.

    Th ...

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  • Retirement Annuity Rates: Finding The Best Ones
    By: Steven Hart | - Everyone who is considering the purchase of an annuity plan, or even those who already have a retirement plan in place, wants to find the best retirement annuity rate. There are different types of annuities, and a retirement annuity usually a non-qualified annuity that has been purchased from an insurer in exchange for monthly payments from that company. The retirement annuity rate you receive depends on your age, the amount youve invested in the plan, and the period of time over which y ...
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  • Top Annuity Companies Rundown
    By: Steven Hart | - Its always a good idea to buy your annuity from one of the top annuity companies. The success of your annuity plan depends on the financial stability and adequate reserves of the company that provides your plan. How do you find the top annuity companies? Its relatively easy. There are several companies that make it their business to examine annuity providers and place them in a ranking of best to worst.


    Ratings Services:

    Ratings are useful wh ...

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  • Annuity Inheritance Tax Explained
    By: Steven Hart | - Buyers of annuities should be aware of the annuity inheritance tax. For example, a recent ruling by a Louisiana appeals court stated that the entire death benefit from a single premium annuity plan paid to the beneficiary named in that plan was subject to inheritance tax because it was part of the deceased annuity owners estate. Since individuals may purchase annuity plans to avoid such taxes, its important for investors to learn as much as they can about the potential annuity in ...
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  • Annuity Rate Calculator Explanation
    By: Steven Hart | - A useful tool for those thinking about getting an annuity and even for those who already have one is the annuity rate calculator. It is easy to find an annuity rate calculator online, where many financial and insurance websites provide one for free. An annuity rate calculator can be used to research and compare different kinds of annuities, as well as annuity products offered by different companies.


    The Present Value Calculator

    There are various types of a ...

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  • What's The Annuity Advantage?
    By: Steven Hart | - When considering the annuity advantage, the tax-deferred accumulation of assets immediately comes to mind. Another annuity advantage involves the fact that annuities can provide both low-risk and high-gain potential for investors.


    Best of Both Worlds

    All investors want their money to grow, but some are willing to take more risk than others. The wide variety of annuities available today offers many potential solutions for all types of investors.


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  • Equity Index Universal Life Explained
    By: Steven Hart | - What is equity index universal life insurance? Equity index universal life (EIUL) is an insurance product in which most of its premium usually between 80 percent and 90 percent are invested in traditional fixed income securities. The rest of the premium is placed in call-option contracts, which are linked to a specific stock index. When the market rises, the option contracts are exercised, with a set percentage of the gains credited to the insurance policy. If the market falls, the options exp ...
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  • The Essentials Of Annuity Taxation
    By: Steven Hart | - Annuity taxation is fairly straightforward at first glance. Taxes are deferred on annuity income as long as it remains in the plan. Eventually, however, monies in an annuity plan are taxed, so when, exactly, does annuity taxation occur?

    Deferred Annuities:

    Deferred annuities have an accumulation phase and a distribution phase. Earnings grow on a tax-free basis throughout the years of the accumulation phase. In the distribution phase, payouts from these funds are ma ...

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  • What You Must Know About Variable Annuity Taxation
    By: Steven Hart | - As with any investment vehicle, its important to know the tax ramifications that can impact your future profits and financial success. Taxes can significantly alter how your investment grows or how or when it can be accessed for the most return. Annuities offer a unique tax structure. The variable annuity taxation structure can initially help your investment grow, but you will eventually need to pay for the profits. Learn more about how the variable annuity taxation situation can affect ...
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  • Fixed Annuities Vs. Variable Annuities: Understanding Your Options
    By: Art Gib | - You have done your homework, looked into various options, and have decided that you'd like to add an annuity to your retirement investment portfolio. The question remains, should you choose a fixed annuity or a variable annuity? There is greater stability and security with a fixed one, but a variable one has the potential to really pay big if the stock market does well. Here are some of the basic differences between the two plans to help you make an educated decision.

    If you are ...

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  • Are Variable Annuities Good Or Bad?
    By: Steven Hart | - Are you trying to find a way to supplement your income throughout your retirement? If you are a conservative investor looking for a simple, low-risk solution, you should consider annuities. You can find a lot of solid benefits working with annuities, including variable annuities. Good or bad, many people find the benefits of working with annuities to outweigh any potential risks with this investment vehicle. Learn more about the investing choice of variable annuities good or bad for your own i ...
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  • Who Needs A Lifetime Income Annuity?
    By: Steven Hart | - For many individuals nearing retirement, the idea of budgeting can be a daunting task. After all, without a steady job and paycheck, how can they be sure that they are saving enough money to live comfortably during the decades after retirement? This troublesome question is often answered with the simple investment choice of a lifetime income annuity. The lifetime income annuity offers an easy way for retirees to ensure that they receive a guaranteed monthly stipend of cash that they can use to l ...
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  • Annuity Fees: Are They Worth The Investment?
    By: Leo Vidal | - Annuities are in-between the perfect retirement investment and an expensive safe money vehicle for individuals interested in keeping more principal in the later years. Designing an annuity involves considering your needs, desires, and the best lifestyle you would like to have after the working years. Retirement needs can extend to the costs of medical expenses, medicine, estate, and taxation at the end of the year. With the right planning, this can act as the safe haven many financial gurus clai ...
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  • Comparing Your Immediate Annuity Quote
    By: Steven Hart | - Are you interested in an immediate annuity quote? An immediate income annuity can help you ensure that you will receive a guaranteed amount of income each month for as long as you live. You can create your own budgeting structure after you retire using an insurance annuity, which is why so many investors find this financial option attractive. How do you know if an annuity is good for your portfolio and financial future? Start comparing your immediate annuity quote options to see which companies ...
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  • Advantages Of Immediate Payout Annuities
    By: Steven Hart | - Are you consider an annuity for your retirement budget strategy? Annuities have gained in popularity over the last few years thanks to their conservative, low-risk approach to financial budgeting for a retiree. If you want to protect your assets and savings throughout retirement, there are a number of immediate payout annuity advantages to consider. A savvy investor realizes that the monthly checks from the annuity can help him or her plus a spouse or heirs for the rest of the investors ...
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  • Has The Sell Annuity Program Been Goood For You?
    By: Jimmy Woodall | - Sell your annuity settlement and hopefully get a fast and easy deal. It is your way of getting the full amount as agreed. Sell the annuity settlement through the right channels and you should get the best deal out of it.

    There are many financial institutions buying annuity settlements these days. Sell Annuity Toolbar free download, The toolbar gets the latest news about annuity selling from authority sites and displays them in real time for you! The Annuity Sell toolbar is the pe ...

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  • Differences Between A Fixed And Equity Annuity
    By: Steven Hart | - When considering the difference between a fixed and equity annuity, investors should remember that equity annuities, also called equity-indexed annuities, ARE fixed annuities. Both the fixed and equity annuity are designed for conservative investors, but equity annuities can provide potentially higher rates of return than traditional fixed annuities.

    An equity-indexed annuity offers a combination of traditional insurance product features, like a guaranteed minimum rate of return, ...

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  • Fixed Rate Vs. Variable Annuities
    By: Steven Hart | - Annuities are insurance products in which the annuity-holder makes a payment or a number of payments to the company offering the annuities, in exchange for a guaranteed stream of income for the rest of the his or her life or up to a pre-agreed expiry date of the annuity.

    Based on their returns (the stream of income from an annuity), annuities are classified as either fixed rate or variable rate annuities.

    In fixed rate annuities, the annuitant is guaranteed of a fix ...

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  • 9 Steps To Investing In Annuity Schemes
    By: MatthewPawlina | - As Investments in annuities is an excellent way of saving for retirement. Annuity savings assure future security and have no limitations of time or investment extent.

    Annuities give an assured payback to the investor and are of different types according to the payout options and duration. Payment options are decided on by the investor and the accrued money can be taken in time of great need. Annuity investments can be bought jointly and the beneficiary will be covered even after t ...

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  • What Is An Investment Annuity?
    By: IC | - An annuity is a financial product often issued by certain financial institutions in order to accumulate value over the time it is effective, after the specified date the instrument becomes payable, the institution then pays it out over a period of years, thus guaranteeing a reliable source of steady income. Annuity contracts are often strictly regulated by different jurisdictions which obviously vary form state to state within the US, in other parts of the world the terms, conditions and benefit ...
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  • Annuities: Don't Put Your Ira In A Variable Annuity
    By: Jeffrey Voudrie | - If you've talked to a broker or agent about rolling over your retirement account, there's a good chance the advisor recommended you invest in a Variable Annuity. Don't do it! I believe the only reason a variable annuity is recommended for an IRA is so the advisor can earn more money. Let me explain.

    There's a high probability that if an advisor doesn't recommend an Equity-Indexed Annuity for your IRA rollover, a Variable Annuity will be recommended instead. 'There are so many adva ...

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  • Immediate Annuity
    By: Nick Jameson | - Immediate annuity is a type of annuity in which the contract owner starts getting payments after a single premium is paid. Payments can be made on a monthly, quarterly, annual or semi-annual basis. The rate of payment in immediate annuity is of two types, fixed rate and variable rate. The fixed rate guarantees a set income that will not fluctuate, whereas in variable rate payments will fluctuate according to the performance of selected investment the annuity is based on.
    Immediate annuit ...

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  • Annuities: The Guaranteed Minimum Income Benefit
    By: Jeffrey Voudrie | - Variable Annuities now offer a Guaranteed Minimum Withdrawal Benefit which allows you to earn 5% or 6% even if the market drops significantly. Undoubtedly, you will be pitched a variable annuity or pressured to transfer your existing one into a new contract with this benefit. Should you? Read on to uncover the truth behind this feature and see if it's right for you.

    The Guaranteed Minimum Withdrawal Benefit provides a guaranteed minimum return on the annuity contract that can be a ...

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  • Annuity Faq: Answers To Some Basic Annuity Investing Questions
    By: Ammon Yorke | - * How much should I invest in an annuity?

    The amount of money that you invest in an annuity will depend largely on your capability to pay the premiums offered by the assurance company. Things to consider when putting money to an annuity include:

    - Your probable financial needs

    - Type of investment portfolio

    - Alternatives available

    The most important thing to consider is your financial needs, especially at times when you ...

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  • Annuities As A Personal Pension
    By: Robert Valentine | - What do you do when you've already made the maximum yearly contribution to your 401(k) and/or an IRA? What if you're looking for an alternative all together? If either of those situations describes you, then an annuity might be a retirement savings option worth considering. Annuities are sometimes called "personal pensions," because they pay you a guaranteed income during retirement. But how do they work? And are they right for you?

    You put money into an annuity in return for a s ...

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  • A Guide On Annuities For Annuity Buyers.
    By: Mark Gardner | - Before you can join the growing ranks of annuity buyers, you need to know something about the variety of annuities that are available to you. There are a good number of annuities available and finding the right one for you can be difficult. You'd be wise to consult with a qualified professional before buying any annuity; they can take a look at your personal circumstances and help find the right annuity for you.

    The first decision you're going to have to make is how you want to ac ...

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  • What Is An Annuity Calculator?
    By: Kaye Trout | - Who does not want to retire in style? You might have dreamt of retiring as a millionaire in a grand house and with health and other securities in place so that at the old age you do not have to depend on any body else or the meager means of social security. Thinking that it is not possible with your present income? Everything is possible if you take up a proper retirement planning at the proper time. An effective retirement planning starts with the annuity calculation. Annuity refers to a partic ...
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