Single premium annuities are contracts made with insurance firms in which the buyer pays a lump sum, also known as the premium, to the insurer in exchange for the company’s promise to provide an income stream at a guaranteed interest rate for a specific period of time, or for the lifetime of the buyer. Immediate [...]

Fixed income annuities can be complicate and difficult to understand. When considering the purchase of fixed income annuities, it is important to have a good understanding of how these plans are structured and how they work.
A fixed income annuity receives a fixed guaranteed interest rate for a set period, usually one, three, or five years. [...]

Many people already own IRAs, but they don’t know that they don’t have to keep the plan where it is. Actually, they have total control over where their IRA funds are invested. IRA annuities offer a safe alternative and can guarantee the safety of the principal while gaining an opportunity for potentially significant asset growth. [...]

If you are looking to invest in an annuity, one of the first steps towards financial success is to determine the best companies that offer this investment vehicle. Look for an overview of the best annuity providers that can give you the highest return for your investment at the lowest rate possible. With a complete [...]

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 [...]

Is a variable annuity is right for you? This is a tough question. Let’s take a look at some broad examples to see if an annuity is right for you.
First, do you need the money liquid, or will you need your money quickly in the near future? If you answered yes, then no a annuity, [...]

I have been reading a lot about immediate annuities lately and I really have to address this question, are immediate annuities any good now a days? I will say this, they have their place. They are not what I would call the best vehicle for many people. These instruments have there place in a portfolio, [...]

With the stock market in steep decline, people are looking for safe places to invest their savings. Many banks and investment companies are pushing annuities. Annuities offer a higher interest rate than CD’s, but are they safe?
You could view an annuity as a tax deferred CD. You don’t pay taxes on the interest until you [...]

One of the major reasons living benefits have grown in popularity is because they reduce investor risk. The popularity is a direct result of poor market performance. Living benefits evolved because of this market decline and have made investing easier.
As the market had its steady and severe decline in the early 2000’s, insurance companies came [...]

The process of arriving at a structured settlement is through negotiations concerning the value of the annuity

and payment schedule. The process involves primarily a claimant and the life insurance company; if the structured settlement annuity is related to litigation, it will involve the defendant as well.As per the process, the defendant agrees as per a [...]