Annuities & Fixed Rate Annuity Information     

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Annuities and Fixed Rate Annuity contracts are very popular today as a financial services product.  There are many different types of annuities and companies that sell or provide annuity products.  Some of the better known annuities are offered by the major life and casualty companies as a way for people to understand what their future income will be and how much they can expect to receive.  These annuities are used in retirement planning and estate planning. 

Fixed rate annuities are contracts where you deliver a lump sum payment or fixed month or annual payments for a number of years and then when your fixed rate annuity contract date kicks in, you should start getting a fixed rate of return for the annuity contract you purchased.  Buying a fixed rate annuity is quite easy and we always recommend that you consult with your financial and tax experts before you look at or buy any financial service product.

By talking to your financial planner or tax expert, they can answer the types of questions that you have, including is a annuity right for me?  The different types of annuity products allows for a wide variety of products and plans so it can get confusing if you do not understand this type of lingo and the financial terms that may be discussed.  You can either look online or in your local paper for qualified and trained and licensed financial planners if you do not know one or if you do not have one.  They will usually consult with you free the first time and allow you to ask them questions regarding them and their products to see if you match up with them.

Some of the more popular types of annuities include tax-deferred and variable annuities.  Some offer and include a death benefit that will guarantee payments to your beneficiary.  Annuities come in many forms and some of the more notable companies selling and providing annuities include, Fidelity, Mass Mutual, John Hancock, Vanguard, J.G. Wentworth.  These are just a handful of the many thousands of companies and agents that provide annuity help and products.

Each year billions of dollars are invested into financial service products that we call annuities.  These annuities usually offer an income stream that you cannot outlive.  These products can go hand in hand with life insurance because they pay while you are still alive and life insurance pays when you die.  Some of the variable annuity products can invest in mutual fund investment companies as a hedge against inflation.  These annuities can also be risky because you are at the mercy of the market going up or down.  As we all know, this last year or two have been tough on the market.

The fixed rate annuity has less risk, actually very little risk.  You are really investing in the company that is offering the fixed rate annuity.  You will want to make sure that the financial service company or life insurance company is quite strong and is not having financial problems.  If the company that issues the fixed rate annuity has financial problems, then you  could experience an issue with their annuity.  Most of the larger financial services companies are quite strong and their products will stand and survive the test of time.

Another annuity product is called the index annuity.  These annuities are tied and fixed to the upside of the market.  Once again, if the market goes up, you are in the money but if the market goes down, you can loose.  We have experienced some intense volatility in the stock market the last couple of years so everyone is very aware that markets can go both ways.  Annuities are a good place to put your money if you do not need it to live on and want a retirement program that will pay you money on a monthly or quarterly basis when you get older.  It is always a good idea to invest your money during the years that you make the most for the years when you will not be working as much and your income level drops.

Always consult with a qualified and licensed financial professional before you spend any of your hard earned money in financial service products including annuities.  Take time to research the company you are looking at for news, financial statements, what others say in forums and chat rooms and any other type of information that will help you invest your money in a safe and sound manner.  Annuities can be a wonderful investment and hedge for the future if you purchase the right one for you.

 

 

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