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28th September 2009
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 inves... Read >
Author: marilyn katz22nd September 2009
Annuity products are available from multiple providers. It is important for anyone that is considering purchasing an annuity to know who the top annuity companies are. Below is a list of five top annuity companies and a description of their products and s... Read >
Author: Steven Hart18th September 2009
Jackson National Life Insurance Company was a family-owned company that was formed in 1961. The company was named after Andrew Jackson, the seventh president of the United States.
Although it is a young company, when compared to some of the other insu... Read >
Author: Steven Hart17th September 2009
Fixed rate annuities offer many benefits to investors. For example, they can provide someone who is retired or close to retirement a guaranteed income. To understand the benefits of fixed annuities in more detail, it is important to first understand the d... Read >
Author: Steven Hart27th August 2009
Aviva is the fifth largest insurance company in the world. It has $725 billion in assets under its management, and its annual premium and investment revenue is approximately $98 billion. In the US alone, the company has more than one million individual cu... Read >
Author: Steven Hart15th August 2009
CD-type annuities and CDs have been confusing investors over the years because of their similar names. Although similarities exist between the two types of investments, CD-type annuities and CDs are different investment vehicles which provide different be... Read >
Author: Steven Hart10th August 2009
Prudential Financial, Inc (NYSE: PRU) is a financial services provider that has approximately 50 million individual and institutional customers. The company is based in Newark, New Jersey, but has operations in Asia, Europe, and Latin America, as well as ... Read >
Author: Steven Hart03rd August 2009
Although none of us want to think about getting older, it is important to plan appropriately for our retirement years. This is not as easy a task as it sounds. All of us are living longer, and of course, this is a good thing. However, life expectancy incr... Read >
Author: Steven Hart30th July 2009
In general, an annuity is a contract in which an investor pays a premium or a series of premiums, and in return the insurer makes a series of income payments. Normally, annuities are purchased to secure future retirement income for individuals.
There a... Read >
Author: Steven Hart23rd July 2009
An annuity is an investment option that offers an insurance component to individual investors. Annuity investments get their name because the investor has the ability to convert their investment into a set of periodic income payments (an annuity) either o... Read >
Author: Steven Hart07th July 2009
When considering the annuity advantage, the tax-deferred accumulation of assets immediately comes to mind. Another annuity advantage involves the fact that annuities can provide both low-risk and high-gain potential for investors.
Best of Both Worlds... Read >
Author: Steven Hart30th June 2009
Equity annuities offer a good way to manage retirement risk. Equity annuities provide potentially high investment returns without the fear of losing principal, as is the case with traditional investment products. Equity annuities work by placing most of t... Read >
Author: Steven Hart30th June 2009
Fixed income annuities can be complicate and difficult to understand. When considering the purchase of fixed income annuities, it is important to have a good understanding of how these plans are structured and how they work.
A fixed income annuity rece... Read >
Author: Steven Hart27th June 2009
AXA annuities are designed to keep you from outliving your money. They offer the potential to receive guaranteed income during your retirement and payments for as long as you live. AXA annuities allow your investment to grow, tax deferred, and they can ev... Read >
Author: Steven Hart06th June 2009
There is a great debate raging among baby boomers as to whether a fixed annuity is a good choice for an individual looking for ways to supplement their income after retirement. Even the biggest promoters of annuities will often claim that a smart investor... Read >
Author: Steven Hart04th June 2009
Did you have any money invested in the stock market in 2008? Whether you invested through your 401(k), or bought mutual funds, bonds, or stocks, it is most likely you saw the value of your investment or portfolio decrease by as much as 30-50% in a matter ... Read >
Author: Robert Bell03rd June 2009
For low-risk, conservative investors, fixed annuities and CD’s are both excellent investments for savings and budgeting. However, in order to determine which is best for your specific financial situation, you should compare fixed annuity vs. CD to see w... Read >
Author: Steven Hart01st May 2009
If you are living on a fixed income and you don't have plans to double your income over a period of 20-25 years you will run out of money. One of the questions I always ask a new client, what are your plans once you retire to not only take income but to c... Read >
Author: Robert Bell17th April 2009
When an investor decides to purchase fixed annuities they will go to an insurance company or financial institution to begin this process. Mostly fixed annuities are purchased with lump-sum payments or, if the investor is still working periodic payments ca... Read >
Author: Sara Spencer07th April 2009
In these days of economic stress, tumbling financial markets and colossal losses to various retirement and pension funds, annuities have caught the attention of many concerned investors. Annuity sales were originally expected to top $200 billion in 2009 ... Read >
Author: Robert Bell09th January 2009
Equity annuities offer a good avenue for managing retirement risk because they provide the potential for a good return without the potential losses of principal associated with traditional investments. Equity annuities invest most of their premiums into a... Read >
Author: Steven Hart15th August 2008
What is an Annuity? An annuity is almost like a payout phase. The actual definition is any recurring periodic series of payments. When an employee decides to retire, there are usually some type of retirement benefits. Some times these benefits are cash ba... Read >
Author: JoeWilliam02nd April 2008
"Not a single week passes where someone does not ask me about the prevailing trends that are having an impact on today's insurance products," says Rene Lacape, Marketing Manager for eQuote Life Insurance. "Increasingly, I have been answering by focusing o... Read >
Author: JCarlson12th March 2008
You have done your research on the various life insurance products available, and you are now ready to sit with an Insurance Agent or Financial Representative to assess your needs, but where do you start? There are so many agents, offices and firms, how d... Read >
Author: Christee Fontanez10th May 2007
An annuity is an insurance product that really acts as a financial investment. That being said, there are a wide variety of annuity options.
There are several distinct annuities you can chose from. The differences tend to revolve around the method of p... Read >
Author: Barry Waxler23rd November 2006
What is a fixed annuity, a variable annuity?
Simply put, both a fixed annuity and a variable annuity are amounts payable annually. More specifically, they are contracts offered by insurance companies which allow you to accumulate funds for retirement o... Read >
Author: Gary Le Mon17th November 2006
To gain an understanding of annuities, we need to start at the beginning. In the year 1740, the Presbyterian Church began to use annuities in order to aid widows and the priestly order. The simple purpose of an annuity is to ensure that you have a sound f... Read >
Author: Robert Lawrence24th September 2006
Annuities can provide a steady flow of retirement income. But there are many types of annuities and not all of them are right for everyone. Insurance companies and agents are sometimes over aggressive in trying to convince a consumer to buy a particular a... Read >
Author: Harold Read07th September 2006
As an investor, I've always wondered why Social Security is such a problem. What's so difficult about managing this particular Trust Fund, and why is it so different from other investment accounts that pay out a constant stream of income? The private sect... Read >
Author: Steve Selengut11th May 2006
An Explanation of the Operation of a Legal Reserve Life Insurance Company, underwriters of Fixed Annuities.
Through devastating world wars, financial recessions and depressions, sweeping epidemics, earthquakes and fires, inflation and deflation, the li... Read >
Author: Jeff McLeod05th April 2006
According to The National Association of Insurance Commissioners Buyer's Guide, "An indexed annuity is a fixed annuity, either immediate or deferred, that earns interest or provides benefits that are linked to an external equity reference or an equity ind... Read >
Author: Jeff McLeod
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