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- What Is an Annuity and How Does It Work? – Annuities Explained
- What Is Universal Annuity? | Finance - Zacks
Purchasing Annuities Annuity contracts can be purchased either inside or outside of an IRA or qualified plan. How Annuities Work The way these products were originally designed, the contract owner made either a lump-sum payment or a series of payments into the contract and then began receiving payments at retirement. Beneficiaries can choose among several types of payout options, including: The contract will pay out an actuarially-calculated amount to the beneficiary based upon his or her life expectancy alone.
This amount will be paid even if the total payout exceeds the amount paid in plus interest or other gains. However, payments stop upon the death of the beneficiary, even if less than the value of the contract is paid back out. Theoretically, the insurance company keeps the contract value even if the beneficiary dies after receiving only one payment. Life with Period Certain. The contract will pay out either for life or for a certain amount of time, such as 10 or 20 years.
This prevents the possibility described above from happening. Similar to straight life, joint life annuities will continue to pay as long as one of the two beneficiaries is alive. Joint Life with Period Certain. Combines the period certain payout with joint life expectancy. Or, without annuitizing, contract owners can withdraw money in the following ways: A simple payment of either a fixed dollar amount or percentage of contract value paid out each year, either monthly, quarterly or annually.
As the name implies, lump sum is a single payment of the entire contract value. This payment can either be taken as a distribution or rolled over into another annuity contract.
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Other Benefits of Annuities Although their tax-advantaged status is one of their biggest advantages, annuities offer several other unique benefits as well. Types of Annuities There are three main types of annuities: Fixed Income Annuities pay a guaranteed rate of interest like a CD or bond.
Equity-Indexed Annuities promise some portion of any growth in the stock market while guaranteeing principal.
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Unlike the other two types of annuities, the principal is not guaranteed in variable annuities, which means that these annuities may lose value. Annuities can also be categorized as either immediate or deferred. Immediate annuities start paying a stream of income to the beneficiary as soon as the contract is purchased Deferred annuities do not begin paying out until a later time. Do You Need an Annuity?
The Cons Fees and Expenses. Because these fees can take a chunk out of earnings, variable annuities are often not appropriate for younger investors who are less likely to need the insurance benefits. Make sure you have an emergency savings fund available to you without penalty if you decide to invest in an annuity.
Annuities offer some of the largest in the industry.
Universal annuity system
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What Is an Annuity and How Does It Work? – Annuities Explained
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What Is Universal Annuity? | Finance - Zacks
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