Category Archives: Life Annuities

Perhaps you have heard the phrase, more month left at the end of the money. It means simply you have more expenses than you have money to pay them at the end of the month. Now apply that same thought to your retirement years. You may have a goal to retire at 59 years old. Assuming you are reasonably healthy, you might live to be 75. Unfortunately, this is a real issue retires or soon to be......

As Investments in annuities is an excellent way of saving for retirement. Annuity savings assure future security and have no limitations of time or investment extent.rnrnAnnuities give an assured payback to the investor and are of different types according to the payout options and duration. Payment options are decided on by the investor and the accrued money can be taken in time of great ne......

If the clients A1C level is above 8, then guaranteed issue life insurance is a more realistic goal. Insurance agents without question are experts in life insurance, but when it comes to annuities they are usually very restricted in what they can offer. Consulting a psychic isnt necessary, although it does require that you estimate the timing of your life insurance needs. If you feel that lif......

To define annuity in the simplest of terms, it is a payment made over a fixed period of time. Examples of an annuity would be regular deposits to a savings account, monthly insurance payments and also house mortgage payments. The time period between the payments is called the annuity period. The annuity period can be anywhere between a week, a month, a year to a few years. An ordinary annuit......

One of the major changes on February 2, 2006 was the enactment of the DRA (Deficit Reduction Act) of 2005. Certain Assets are Exempt from the Spend Day requirement and it is strongly advised if you have significant assets that you contact a Financial Advisor or attorney, who specializes in asset protection for seniors in your State. Health care flexibility: Home health care is by far one of ......

Calculator is something that that calculates all the values correctly and gives the result perfectly and accurately. It’s not like the calculator only works for mathematical or algebraic calculations but if it comes to the Life Insurance then calculator should calculate your entire requirement and almost all the plans you are looking for. Yesterday I meet an Insurer who shown me the various ......

We work all our lives to reach retirement age. All throughout, the plan is to have a peaceful time in one’s prime. But in order to live that picture postcard life there are certain important decisions that have to be thought of. How you receive your pension is an important one. Would you like to receive it as a lump sum or would you prefer a fixed interest rate, payable monthly? If you do d......

By: Craig E. Hemke President and Founder of BuyaPension.com As Americans struggle with the complex challenges of retirement income planning, more and more are turning to Single Premium Immediate Annuities, or SPIAs, for help in managing the risk of outliving their retirement assets. SPIA sales have been relatively flat for years, however, sales have recently been growing at a 25-30% an......

If you purchase an immediate annuity, you are instructing the company to start sending you checks as soon as possible. Immediate annuities are designed for individuals or couples who want to rely on receiving a specific amount of money. The money may be the person or couple’s sole source of income or merely a supplement to other monies coming in. The check can be used for anything you ......

Anyone who is looking into retirement planning has probably come across the words retirement annuity. When mixed in with words like term life, variable, investment and insurance it can seem to be a confusing and intimidating word. Many of the terms used in retirement planning are intimidating, unless you are an accountant most of these words are not part of your everyday vocabulary. Howev......