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An annuity is a contract between a life insurance provider and an individual. Here you can better understand the various forms of annuities and understand the expenses that may be associated with them.
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What is an Annuity?

by Randy Brunson Level 18
  Just what is an annuity?  The textbook definition of an annuity is “an income stream” or “a fixed sum of money paid to someone each year, typically for the rest of their life”.  The word shares a root with our word ...(more)
Comment   |  Aug 11, 2016 from Suwanee, GA
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Annuities: Are They a Good Option in Turbulent Times?

by Matthew B Goff Level 18
As Americans get older and the stock market goes through a periodic decline, the temptation to decrease risk over fears of running out of money makes people turn to annuities, according to the recent New York Times ...(more)
Comment   |  Mar 30, 2016
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The Pro's and Con's of Purchasing an Annuity: Look Before You LEAP!

by Martin A. Smith, CRPC®, AIFA® Level 19
Comment   |  Dec 31, 2014 from Bethesda, MD
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Why Purchasing an Income Annuity May Not Make Sense

by Lon M Jefferies Level 17
Either type or paste your guide content into this box Guaranteed income annuities (also known as immediate fixed annuities) are becoming increasingly popular as a result of recent stock market volatility. When you ...(more)
Comment   |  Oct 02, 2014 from Salt Lake City, UT
1 vote

Dissecting Variable Annuity Income Riders

by Reed Bermingham Level 18
For a long time, people have been drawn to annuities of all kinds to guarantee their retirement income. A segment of this business which is specifically popular is the Variable Annuity (VA), which is essentially an ...(more)
Comment   |  Mar 19, 2014 from San Diego, CA
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Independent Review of the Allianz MasterDex X Fixed Index Annuity with Simple Income III Rider

by Dieter T. Scherer, Jr., CFP® Level 15
Today’s independent review of the Allianz MasterDex X Fixed Index Annuity with Simple Income III Rider should help investors decide whether this extremely popular fixed index annuity is right for them.  Toward the ...(more)
Comment   |  Aug 14, 2013 from Chester, MD
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Independent Review of the Jackson National Perspective II Variable Annuity with LifeGuard Freedom Flex

by Dieter T. Scherer, Jr., CFP® Level 15
Today, I’m going to give as unbiased a review as I can of the Jackson National Perspective II Variable Annuity with LifeGuard Freedom Flex.  A financial product like an annuity may not be useful for everyone, but there ...(more)
Comment   |  Aug 14, 2013 from Chester, MD
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Longevity Insurance for the Long Haul

by Jason Hull Level 20
“Wal-mart… do they like make walls there?”–Paris Hilton Have you ever walked into WalMart, seen the smiling greeter at the door, who usually appears to be older than the typical retirement age, and wondered if that ...(more)
Comment   |  Mar 20, 2013 from Fort Worth, TX
2 votes

Immediate Annuities - 9 Things You Need to Know - Part 2 - #'s 5-9

by Tracy Scott Burke Level 19
Immediate Annuities - 9 Things You Need to Know - Part 2 5. Fees and costs for immediate annuities: While insurance companies do not charge an asset-based fee on the immediate annuity assets, they make money by ...(more)
Comment   |  Feb 25, 2013 from Harrisburg, PA
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Immediate Annuities - 9 Things You Need to Know - Part 1 - Intro and #'s 1-4

by Tracy Scott Burke Level 19
Immediate Annuities - 9 Things You Need to Know - Part 1 For many investors, annuities carry a negative connotation as they are usually extremely complex products, difficult to understand, and often not explained well ...(more)
Comment   |  Feb 25, 2013 from Harrisburg, PA
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Deferred Annuities - 13 Things You Need to Know - Part 3 - #'s 8-13

by Tracy Scott Burke Level 19
Deferred Annuities - 13 Things You Need to Know - Part 3 8. Annual fees and costs: a. Front-end and back-end loads:  A front-end load (sales charge) in a deferred annuity ranges from 2.5%-8.5% of the initial ...(more)
Comment   |  Feb 25, 2013 from Harrisburg, PA
2 votes

Deferred Annuities - 13 Things You Need to Know - Part 2: #'s 1-7

by Tracy Scott Burke Level 19
Deferred Annuities - 13 Things You Need to Know - Part 2 1. Tax Deferral: One of the most attractive features of deferred annuities for some people is the tax-deferred nature. While qualified (retirement) accounts ...(more)
Comment   |  Feb 25, 2013 from Harrisburg, PA
2 votes

Deferred Annuities - 13 Things You Need to Know - Part 1

by Tracy Scott Burke Level 19
Deferred Annuities - 13 Things You Need to Know - Part 1 For many investors, annuities carry a negative connotation as they are usually extremely complex products, difficult to understand and, often not explained well ...(more)
Comment   |  Feb 25, 2013 from Harrisburg, PA
4 votes

5 Myths about Variable Annuities

by Tracy Scott Burke Level 19
Myths about Variable Annuities Have you ever bought something that you really weren’t sure what exactly you were getting into? Perhaps the person from whom you purchased it focused on the positives and possibly even ...(more)
Comment   |  Feb 25, 2013 from Harrisburg, PA
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Maybe You Don’t Need Bonds in Retirement! An Interview with Wade Pfau AND Why Monkey Brain Can't Solve the Annuity Puzzle

by Jason Hull Level 20
    “The wise man puts all his eggs in one basket and watches the basket.”             --Andrew Carnegie Imagine this situation. You’re a 65 year old male, and you need to get an annual income which represents 6% of ...(more)
Comment   |  Feb 15, 2013 from Fort Worth, TX
1 vote

Annuity Dollar Cost Averaging

by Jason Hull Level 20
    “My NFL pension can barely pay my son's tuition. You know, it's very little money.” --O. J. Simpson Many years ago, people worked for a company for their entire lifetimes, got a gold watch and a pension upon ...(more)
Comment   |  Jan 22, 2013 from Fort Worth, TX
3 votes

What's Wrong With Variable Annuities?

by Evan M. Levine, ChFC Level 20
There are certainly a lot of investments a pre-retiree can make that are worse than a variable annuity (Referred to from here on simply as “VA”).  In fact, if an investor is well diversified across low cost ...(more)
Comment   |  Sep 28, 2012 from Port Washington, NY
6 votes

Variable Annuities - Buyer Beware

by Eve L. Kaplan, CFP® Level 20
Suze Orman doesn’t like them. Some journalists are suspicious of them. Fee-only advisors (= advisors who don’t sell products) generally avoid them. I believe the public generally gets ripped off when they buy them. What ...(more)
Comment   |  Jul 02, 2012 from Berkeley Heights, NJ
3 votes

A Look At: Fixed Index Annuities and Returns

by Thomas Jensen Level 16
A Look At: Fixed Index Annuities and Returns If you sit down for an appointment with your insurance agent, he may suggest you buy something called a fixed-index annuity – sometimes referred to as an equity-indexed ...(more)
Comment   |  May 07, 2012 from Portland, OR
2 votes

Why Are Annuities Considered an Insurance Product?

by Michael Charles Hoffman Level 12
Annuities are financial vehicles that can be sold only by insurance companies. Basically, an annuity is a contract between you and an insurance company, which promises to pay you a future income in exchange for the ...(more)
Comment   |  Jan 04, 2012 from Grass Valley, CA
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