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Guaranteed Variable Annuities Explained

Like all annuities, guaranteed variable annuities represent a contract between an individual and an insurance company. In exchange for providing the insurance company with a specific amount of money, paid either as a single premium or multiple premiums over time, the insurance company ...

Where to Buy Top Variable Annuities

Variable annuities were introduced in the early 1950’s as a way for people to achieve greater rates of return while enjoying the guarantees and tax advantages offered through fixed annuities.  Their popularity reached its apex during the bull markets of the 1980’s and ...

Variable Annuities for Dummies

Variable annuities are contracts between an investor and an insurance company. Variable annuities are investment products, not life insurance products. The contract outlines the type of payment or payments the investor will make to the insurance company. These payments are called the ...

An Explanation of Variable Annuities

With the responsibility for achieving financial independence resting more squarely on the individual's shoulders, it would be important to take a closer look at this unique, multi-tasking retirement vehicle. The best way to understand how a variable annuity works is to begin with an ...

When Should I Get a Variable Annuity

For many people today, the retirement dream is has become a nightmare. Having to cope with intolerable market volatility, economic uncertainties and, for some, the prospect of lower earnings expectations, planning for retirement is more of an exercise in survival as opposed to preparing to ...

Variable Annuity History Revealed

Before we talk about the variable annuity history we should understand what a variable annuity is. A variable annuity is a contract between an investor known as the annuitant and an insurance company whereby the annuitant agrees to pay in periodic payments over a number of years or to pay a ...

Variable Annuity: Riders Worth Considering

Variable annuities have really come full circle, and the evolution has proven to be a valuable investment tool for many retirees. There is tremendous variety available with a number of strong and reputable companies; all offering a full array of RIDERS (added benefits to your annuity ...

Advice on Fixed Variable Annuities

What are fixed variable annuities?  Well to start out with fixed annuities are those contracts that provide a fixed rate of return with no market volatility of the principal. The annuity is invested in securities that will not fluctuate in value with the value of the underlying ...

Variable Annuities for the Family Man

For today’s family man, making the right financial decisions is more critical than ever. It’s no longer enough to follow the prescribed formulas for building a sound financial plan. Planning for the future in the face of uncertain economic conditions and volatile markets requires ...

Thoughts on Variable Annuities

Since their introduction in the late 1940’s, variable annuities have had a fairly colorful history.  Along with the heaps of praise they garnered during the stock market bull runs they have also amassed a fair share of criticism especially during market declines.  At the ...

Variable Annuity Death Benefits

In looking at variable annuity death benefits we should first do a review of what a variable annuity is.  A variable annuity is a contract that a person purchases from an insurance company.  The insurance company in effect promises to pay you periodic payments for the rest of your ...

Top Variable Annuities

Annuities are contracts sold by insurance companies that guarantee a lifetime income to the purchasers for a set payment.  The payment can be a single payment or a periodic payment. Variable annuities can be described as annuity contracts with variable returns. The returns are pegged to ...

Variable Annuity Life Insurance

Variable life insurance is a type of permanent life insurance. Like all permanent life insurance products, it has two parts: The death benefit, which is the amount of money paid to the beneficiary when the policyholder dies, and the built-up cash value account to which interest is credited ...

What is a Variable Annuity

A variable annuity is a long-term investment product sold by an insurance company. It differs significantly from other investment products because an annuity is a contract between the purchaser of the annuity, who is the annuitant, and the insurance company.  The annuitant agrees to ...

Variable Annuity Types

Discussions of variable annuities generally involve comparison with other investment products, such as mutual funds. This is necessary and valuable, but the implication is that differences in variable annuities themselves are unworthy of consideration. That is untrue; differences among ...

Variable Annuity Comparison

Much time and effort has been spent comparing variable annuities with other financial instruments - particularly mutual funds, which they closely resemble. Much less time has been devoted to comparing variable annuities with each other. Presumably, this is because the mistake of choosing the ...

Variable Annuities vs Mutual Funds

Variable annuities have much in common with mutual funds. In many respects, variable annuities can be described as mutual funds wrapped up inside an annuity contract. Since variable annuities and mutual funds are popular investment vehicles chosen by millions of people, both their ...

Variable Annuity Investment Tips

Variable annuities are currently riding a wave of popularity, notwithstanding that variable annuity investment is reputedly complicated and difficult. Fortunately, the principles of efficient shopping can also apply to variable annuity investment. If there is one thing that Americans know ...

Variable Annuities Pros and Cons

No investment product has created as much controversy or spawned so much division as the variable annuity. Since its introduction in the early 1980s, it has gone through periods of tremendous popularity and relative neglect. A sizable body of literature, both technical and popular, has ...

Best Variable Annuity Choice

All large insurance firms provide their own brand of variable annuities, and plans labeled “best variable annuities” by one insurer can differ significantly from another. In part, this is because variable annuity plans are brought to market in order to keep up with the rate of inflation. ...

Fixed Rate Vs. Variable Annuities

Annuities are insurance products in which the annuity-holder makes a payment or a number of payments to the company offering the annuities, in exchange for a guaranteed stream of income for the rest of the his or her life or up to a pre-agreed expiry date of the annuity. Based on their ...