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Annuities Reviews

Annuities Reviews








The Truth About Annuities Reviews


Just as with most things in life, everyone seems to have a different opinion on everything. The same goes for annuities reviews, they are just as mixed. The key is to understand what your goals or needs are prior to purchasing an annuity. If you choose one that is not right for you and your situation then your review would be negative.

On the other hand, if you research annuities, do your legwork and find one that fits your needs, then you would probably have a much more positive opinion of the annuity. So what must you look for when searching for annuities?

During the research period of annuities reviews, you must ask very specific questions of yourself; including how long can you leave your investment tied up in an annuity. Are you able to put the money in the account and leave it alone for a number of years or will it be something you may have to rely on if you have an emergency arise.

In this sense, are you looking to this as a long-term investment to be used as retirement income? Alternatively, do you need your principle to be fairly liquid in the event of an emergency? Many annuities can be costly to maintain and even more expensive if you must withdrawal the money early.

An annuity can be a great retirement investment for someone that is able to place their money in an account and leave it there for at least eighteen years. However, annuities reviews that tend to be negative may discuss the number of fees and costs that are required to have an annuity. There are maintenance fees, insurance costs and the cost of death benefits, making this an expensive option for someone that is dependant upon the initial invested amount.

On the other hand, these can be innovative options for those that are looking for an interest bearing, tax-deferring way to generate guaranteed income during the retirement phase of life. Positive annuities reviews may include the extensive flexibility they allow in payouts.

One can choose a lump sum, a certain amount of payout during a specified period or it can be used to help cover the remainder of ones life in the event that their other investments ran out. What ever your opinion, you will find mixed annuities reviews when researching your options. One must remain unbiased and make choices based on their individual situation.


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Insurance Continuing Education - What Are Annuities

By Edward J Hulse
An annuity is a contract sold by insurance companies that pays a monthly (or quarterly, semiannual, or annual) income benefit for the life of a person (the annuitant), for the lives of two or more persons, or for a specified period of time. The annuitant can never outlive the income from the annuity. While the basic purpose of life insurance is to provide an income for a beneficiary at the death of the insured, the annuity is intended to provide an income for life for the annuitant.
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Annuity Or CD Investment, Which is Better?

By Steven Hart
Deciding between fixed rate annuities and CDs can be a tough choice. Find out how tax deferral, inherent to fixed rate annuities, might far out weigh short-term CD benefits for retirement income growth.
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Retirement Annuity Options

By Steven Parsley
Annuities offer the assurance of a stream of income for life or for a specific period of time. For investors who fear the potential loss of all their money the guarantee of an income stream is important and that is why many consider purchasing a fixed, variable or indexed annuity. This protection makes annuities for seniors a great retirement income source.
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Why Is There Growth in Sales of Variable Annuities?

By John T Hughes
The Variable Annuity is becoming an increasingly popular choice for many people as a flexible alternative to the more traditional annuity. The UK pension regulations have been undergoing a number of changes in recent years as successive governments have sought to ensure that the pensions system can cope with an increasingly aging population. With life expectancy levels higher than ever before and with the elderly enjoying better health than in the past, the need for flexible solutions for individuals of pension-able age is a pressing matter.
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Safe Money - Understanding Annuities

By Bobby E Richardson
How are your returns on your "safe money" doing for you? Safe money is the money that you cannot afford to lose such as; mutual funds, 401k, money markets, etc. An annuity is a way to guarantee that you will never lose any principal or credited interest on your retirement dollars. It also can provide some substantial gains by giving you the benefit of the stock market without the risk of the stock market.
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Annuities Reviews | Annuity Fyi | Tax Shelter Annuity | Deferred Annuity Calculator | Annuity Definition Variable | Amerus Annuity Group