Annuity Basics Articles

• 10 Questions Seniors Should Ask When Considering the Purchase of an Annuity — Senior Americans considering the purchase of an annuity to help save for or provide income during retirement should understand the options, features, benefits, and costs to ensure that it meets their individual financial situations.
• A Life Annuity Ensures Life-Long Income — Your kids have flown the nest, the pressures of career are behind you, and you're in good health and able to travel, socialize and pursue interests such as volunteer work.
• A Look at Individual Retirement Annuities — Individual retirement annuity contracts are tax-deferred or pre-tax personal retirement plans that can provide future financial security for your clients. Let’s take a look at some of their advantages.
• All Annuities are Insurance Products, but they are Not All Created Equal — A few years ago I invested $100,000 in a tax-deferred variable annuity. Later, I found out there is a surrender charge for seven years. Is a life annuity tax-deferred? Is there a surrender charge?
• Americans Might Want Annuities to Fund Retirement, Study Finds — Retirees might need to delay Social Safety benefits and buy an annuity to come up with the money for for retirement, according to a US government study.
• Annuities and Your Goals — Talks about the benefits of having an annuity as one component of your retirement savings plan.
• Annuities Attract Many, but Choices Are Complex — Those features are attractive to many investors. Despite the market downturn, payments into annuities rose 7 percent to $292 billion in 2002.
• Annuities Have S.T.Y.L.E. — Describes the benefits annuities have over other savings options.
• Annuities Overview — Dissects annuities and describes how they differ from other retirement options, such as CDs.
• Annuities the Right Option (When Annuities are Right for You) — While discriminating against a group of people is amoral, it’s important to understand that investing in an annuity is not for everyone.
• Annuities: Attractive Opportunities — OpportunitiesRecommends annuities as long-term savings vehicles, appropriate for more than just retirement planning.
• Annuities: Why You Need to Know How They Work — Discusses the changes in retirement planning happening today and urges that workers learn about and take control of their own retirement planning.
• Basics of Annuity Combination Investing — Talks about how annuities can take the guesswork out of managing your retirement assets.
• Choices to Consider when Choosing an Annuity — When shopping for an annuity, there are several considerations that must be weighed.
• Choosing Among Basic Annuities — Describes different kinds of annuities and how this versatile savings option can be customized to serve your needs.
• Confused About Annuities? — Describes annuity options: fixed or variable, deferred or immediate, and single or flexible payment.
• Defining Annuity — The term annuity is defined as a contract that pledges to create recurring payments for a specified period of time. Some examples of the different types of annuities offered by insurance companies are Life Annuities and Twenty Year Annuities.
• Dissecting How Annuities Work — Dissecting How Annuities WorkDescribes how annuities work and whether they will fit into your own long-term retirement plan.
• Get the Details Right On Annuities — Billions of dollars are invested annually into tax-deferred annuities, which offer an income stream that cannot be outlived. Annuities can be described as the opposite of life insurance.
• Getting Smart About Annuities — In recent months, sales of plain-vanilla immediate annuities -- essentially insurance contracts that convert a lump-sum payment into lifelong payouts -- have hit an all-time high.
• History of Annuities — Tells the tale of annuities through time.
• How Does Inflation Affect Me and My Annuity Product? — Talks about how to use annuities to offset the effects of inflation on your retirement savings.
• Introduction to Annuities — Annuities are flexible insurance contracts designed to provide income and help you achieve long-term savings goals. And these are not unused financial vehicles: last year alone, annuity sales topped $200 billion.
• IRA vs. annuity: A tricky choice when you retire — Lists the pros and cons of using annuities versus IRAs.
• Is An Annuity Right For Your Portfolio? — Are yоu consіdering gеtting аn annuity? If уou аrе at the brink оf retirement аnd are awaiting thе release of уour pension fund оr hаvе sufficient savings in thе bank, an annuity саn bе оne of уour financial options.
• Questions to Ask When Considering the Purchase of an Annuity — Annuities are designed to act as a long-term investment which can serve as the foundation or a significant component of a sound individual retirement savings and/or retirement income strategy.
• The Basics of Annuities — Dissecting how annuities work, whether you should buy one, and what kind to buy is no easy task. Here's how you can cut through the complexity of annuities to determine whether they are the right long-term product for you.
• Top 10 Annuity Myths Exposed — New market report reveals annuity critics are often biased and incorrect in their perceptions of annuities within retirement planning.
• Understanding Annuities is Basic for Retirement — Discusses the need for retirees to understand all their options when planning for retirement.
• Understanding Annuity Basics — Provides an introduction to annuities and the options available to you.
• What Investors Should Know About Buying and Selling Annuities — With sales topping $200 billion annually, according to the NAVA 2006 Annuity Fact Book, annuities have become one of the most successful financial products of the last 10 years.
• What is an Annuity? — An annuity is a contract between you and an insurance company where your earnings are allowed to grow and compound without current taxes.
• What You Need to Know About Annuities — If you are thinking about adding an annuity to your investment portfolio, be sure you know the facts, ask yourself and your financial advisor the right questions, and consider all options, risks, benefits, and consequences of your decision.