Just another WordPress site

Hello world!

Welcome to WordPress. This is your first post. Edit or delete it, then start blogging!

Annuity Surrender Period

In our talk about annuities, we continued to reference something called the annuity surrender period.  In this article we are going to take a deeper look at the surrender period so it’s absolutely clear what’s going on. Now, an annuity may not even have a surrender period, or it very well may have one thatContinue Reading

The Annuitant and Beneficiary

So we have talked long and hard about the types of annuities and the characteristics held by each one.  But what we haven’t talked about is the annuitant and beneficiary.  Who are these people and what role do they play in our consideration of annuities? Simply put, the annuitant is the person that the annuityContinue Reading

Longevity Annuities Pros and Cons

We mentioned previously that a longevity annuity is for those who are of age eighty and beyond.  Not everyone will find to be a desirable investment or even appropriate.  As you become older, unfortunately it becomes obvious to you the remaining length of your life, not considering accidents or unexpected events. If you have consideredContinue Reading

What is a Longevity Annuity?

We just recently talked about the immediate annuity, which is good for retirees who want to begin collecting payments immediately.  But there is a risk associated with this type of annuity that means you could possibly outlive your payments and be stuck without money to pay the bills or support your lifestyle. This is whereContinue Reading

Immediate Annuities Pros and Cons

As discussed earlier, the immediate annuity will begin sending you payments as soon as you make your investment.  What is the benefit to this?  Are there any negatives?  The immediate annuities pros and cons are not overly complicated.  This type of investment is really only suitable for a certain type of person, as we willContinue Reading

What is an Immediate Annuity?

Another valid question to ask is “What is an immediate annuity?”  Don’t get confused, because there will be times when you see this type of annuity being referred to as a payout annuity or income annuity.  They are the same. It’s not a real complicated concept, the immediate annuity.  It is essentially just a lifeContinue Reading

Equity-Indexed Annuities Pros and Cons

We learned that an equity-indexed annuity is basically just a combination of a fixed annuity and a variable annuity.  Like a fixed annuity, it features a guaranteed minimum return on your investment, so you can rest easy knowing you won’t lose money but are promised some amount of interest earned. But like a variable annuity,Continue Reading

What is an Equity-Indexed Annuity?

At this point in the course you should already understand the basic differences and similarities between a fixed annuity and a variable annuity.  The question here is “What is an Equity-Indexed Annuity?” Well, you can think of an equity-indexed annuity as a sort of amalgamation of the fixed and variable annuities.  The combination of featuresContinue Reading

Variable Annuities Pros and Cons

In having already understood the benefits and disadvantages of the fixed annuity, we can easily comprehend those of the variable annuity. The advantages and disadvantages of the variable annuity are a bit more complex than that of the fixed annuity and will require a few more complicated terms and extra attention paid to conceptual details.Continue Reading