Category Archives: Life Annuities

Asset Protection With Swiss Annuities
Those who have liquid assets and desire asset protection, but do not wish to establish a domestic or offshore asset protection trust structure, under certain circumstances a Swiss annuity may be a viable product. When properly structured, Swiss annuities have proven to be a solid investment vehicle for long-term asset protection and estate planning, are cost efficient, highly liquid and prov......
Annuity Pros & Cons
An annuity is basically a tax-deferred accounts that allows one to deposit their money over a specific period of time or a lump sum mode to receive payments either once or periodically at the specific future point such as retirement. There are a number of pros and cons that can be associated with Annuities. A better understanding of advantages and disadvantages of Annuities can help a person......
Benefits And Costs Of A Variable Annuity
The new variable annuity has become a staple in many people’s financial plan. The reason is the guarantees offered by the new variable annuity. The guarantees come in both living benefit and death benefit form. Living benefits offer guarantees to make certain the owner doesn’t lose if the stock market or other investments drop below freezing. The death benefits guarantee the bene......
Equity-indexed Annuities 101
The word annuity has its origins in a Latin term that means “annual.” Today, an annuity is an investment product sold by insurance companies. Annuities can be purchased through a series of contributions or in one lump sum. The money put into the annuity contract is allowed to grow for a period of time. Then, at a future date, the contract is annuitized and annuity begins paying a......
The Security Of Annuity Insurance
If you’ve ever wondered how safe your annuity was, you’ll be glad to know there’s annuity insurance. Of course, it isn’t called that. Annuities are created by insurance companies. Just like banks with FDIC, insurance companies have protection for their clients in the event a company goes bankrupt. It’s called the state guaranty fund. Each state has a guarantee f......
Insurance – A Plan For Your Future
In order to lead a livable life, you would need to balance between your investments and the money that you would require to run your daily life. This is the concern of most of the investors. Most of the investment options available today allow fund growth for your retirement, or the investment is made for a definite period of time in the future. Yet there is one type of investment which allo......
Selecting A Pension Annuity
People who are coming up to retirement have to become much more savvy in their choice of pension products as rates on normal annuities continue to fall in the current economic downturn. This is because of two main reasons the fact that Interest rates are at historic lows and retired people are living for much longer. These factors are resulting in a large increase of enhanced life annuities......
About Variable Annuities
Before purchasing a variable annuity educate yourself about exactly what a variable annuity is and what it will mean for you. Consult with your insurance agent and other financial professionals to ask questions. Knowledge is power, or in the case of retirement planning, knowledge is money. While this article is a general description of what a variable annuity is and how it works you shoul......
What Are Fixed Retirement Annuities?
The Basics An annuity is a product that is marketed by an insurance company. It combines some features of life insurance with some features of investment products. This allows them to provide some benefits of both. A good product should be a safe investment with guaranteed returns, but also provide the owner with higher returns than some other savings options. Fixed vs Variable I am writing ......
Annuities Help Retirees Secure An Income For Later In Retirement
One aspect to living is that we never know when we’ll die. Having saved money for their retirement income, retirees often worry that they’ll outlive their savings since life expectancies are increasing. An annuity is an investment that is uniquely addressed to providing income for life. This article shows how you can use an annuity to assure yourself a future income if you live l......