Indexed Annuity Accounts - The Role of Spreads, Caps, and Participation Rates
Get a Quote »If you are considering investing in a fixed indexed annuity, you should become familiar with a few terms. Almost all indexed annuities have internal moving parts referred to as spreads, caps, and participation rates. The fluctuations of these moving parts can significantly affect your annuity's rate of return ...
Understanding The 1035 Tax Free Annuity and Life Insurance Exchange
Get a Quote »You may wish to exchange your old annuity or life insurance policy for a new one for any number of reasons. Section 1035 of the I.R.S tax code allows you to do so without incurring any taxable gains.
The gains from your old policy ...
Certificate of Deposit vs. Fixed Annuity
Get a Quote »If you are in need of a safe and insured investment that will guarantee interest for a desired number of years, you should consider both a fixed annuity account and a bank certificate of deposit.
Both offer pros and cons depending on what features are most important ...
Qualified and Non Qualified Annuity Accounts Explained
Get a Quote »Regardless of the type of annuity account you own (fixed, indexed, immediate, or variable) it will fall into one of two categories; qualified or non qualified. This is to say that an annuity cannot be both qualified and non qualified. It is one or ...
What is Guaranteed Income for Life?
Get a Quote »As the overall markets have swooned and once plush retirement accounts have been reduced in kind, you might be interested in a guaranteed lifetime stream of income.
Commercials are more prevalent and many financial firms are now advertising the merits of this simple concept. But ...
The 403(b) Account - Transfers, Rollovers, Taxes, and Insurance
A 403(b) account is also known as a Tax Sheltered Annuity or TSA. These accounts can take many forms, but most typically are setup as a fixed annuity. Teachers, employees of non-profits, and certain ministers can contribute during their working years should their employer ...
When to Purchase an Annuity Policy - Now!
Fixed Annuity Rates and ReturnsThere are certain economic cycles that occur every few years which drive up the interest rates in fixed annuity accounts. We are in one of those cycles now. Savvy investors can lock in very high annuity rates (yields/returns) that did not exist only a year ago. ...
Current Annuity Interest Rates
QuotesFederal Reserve recently lowered key interest rates in order to battle the current credit crisis. This is not good news for bank investors who have relied on certificates of deposit and money market savings accounts to save and/or generate income. When inflation is factored in, most bank instruments returns are at historical ...
Investment Safety
Annuity QuotesThe most recent market turmoil has many conservative investors second guessing their investment decisions. Those near or in retirement have witnessed significant losses to their IRA, 401(k) and 403(b) retirement accounts. When the market crash of 2000 is factored in, many retirees have experienced an overall loss ...
Income Annuity Accounts Explained
QuotesConsumers who need a guaranteed, stable monthly or yearly income will establish an immediate annuity account. Also know as an annuitization or an income annuity, these accounts provide a systematic payment for a specified period of time to the owner and the named beneficiaries. The payments will consist ...
