Annuities Sentence Examples
Immediate-income annuities allow for a payout soon after investing.
The country has a debt (1905), including capital, annuities and interest, of some £.3,400,000.
In all the provinces they are under the control of the federal government which acts as their trustee, investing the money which they derive chiefly from the sale of lands and timber, and making a large annual appropriation for the payment of their annuities, schools and other expenses.
These aggregated funds, needed to supply the immense and fertile valley of the Mississippi, and the annuities of the treasury destined to pay for the shares, were non-transferable.
However opting to take income drawdown means you give up the security that annuities offer.Advertisement
A hundred years later, Gladstone wanted government annuities sold at every post office to encourage thrift.
Jan de Witt did some largely unpublished work on the price which should be charged by the State for granting annuities to people.
Payments under both these Acts were subsequently extinguished by the Tithe Act 1936 and replaced by terminable annuities.
Variable annuities are different, since the payments will vary according to the market value of your investments.
Annuities are an investment in a life insurance policy that offers steady lifetime payments after an initial investment.Advertisement
Prudential provides several types of annuities, depending on your current and future financial needs.
Fixed annuities offer a fixed interest rate.
Variable annuities offer more risk but potentially higher payouts.
Modified guaranteed annuities provide tax-deferred earnings for a set period of time.
They are equipped to provide and manage investments in annuities, mutual funds, 401(k)s, 403(b)s, and much more.Advertisement
Annuities are contracts issued by life insurance companies, and many provide a guaranteed death benefit for a spouse or beneficiary.
Deferred annuities grow tax deferred; so investors pay no taxes on earnings until they withdraw the money.
Some annuities carry penalties on early withdrawals.
These online planners forecast post-retirement income including Social Security, pensions, and accounts such as trusts and annuities.
Consider rolling some funds into annuities or bonds for stability.Advertisement
As you review all your potential sources of retirement income, including savings, investments, annuities, and potential Social Security benefits, look at the areas that are the weakest.
The company's financial services and products include long-term savings plans, annuities, mutual funds, pensions, and administrative services.
Farmers Financial Solutions, LLC- This company's offerings include a variety of financial products, such as mutual funds, annuities, and life insurance plans.
They specialize in life insurance, auto and home insurance, and business insurance, as well as college savings plans, annuities, and mutual funds.
In some states, insurers can combine traditional products like annuities and life insurance with a rider designed to cover a part or the entire cost of long term care.Advertisement
Along with their insurance plans and products, The Hartford is also a leading provider of investment products including annuities, mutual funds, and college savings plans.
Money invested in stocks, bonds, mutual funds, life insurance policies, mortgage life insurance, annuities or municipal securities, even if they were purchased through an FDIC insured bank or savings association.
Fixed and Variable Annuities - The annuities offered by IDS can help you build a retirement portfolio that offers deferred tax benefits.
Torchmark provides life insurance, supplemental health insurance and annuities, and is a publicly traded corporation on the New York Stock Exchange.
American Fidelity insurance is offered through American Fidelity Assurance Company and includes life insurance, annuities, and more.
Just about all types of financial institutions sell annuities, but again, the underwriting of these products is the work of insurers.
The structure of annuities do resemble other products sold by insurers in that actuarial math is part of what determines the duration of the contract, along with the dollar amounts involved.
The interest paid on annuities comes from the proceeds of the insurer investing the annuity balance in other investments.
Annuities are a popular investment choice among people approaching retirement who are concerned about whether they've saved up enough money.
They choose annuities as a way to guarantee cash flow for their retirement years.
The punch line becomes funny once you know that annuities are not intended to be used as inheritances.
Just like there are many different types of bonds, retirement plans and insurance products, so too there are many different varieties of annuities.
Some annuities are set up to continue monthly payments to the investor until that individual's date of death.
Other annuities have specific maturity dates and if the investor passes away before the maturity date, the nearest surviving relatives or stated beneficiaries may have the ability to claim the remaining payments.
A relatively newer class of annuities incorporates features resembling those of stock options and exchange traded funds.
Index annuities pay an interest rate based on the annual growth rate of a particular stock index.
Despite the promise of guaranteed cash flow, most annuities are worthy of caution.
Many financial advisers love to sell annuities to clients because the issuers usually pay very generous commissions.
The loss of that money, combined with the fact that the value of annuities runs out upon maturity, are good reasons to seek other types of investment products.
If you are concerned about making your retirement savings last throughout your life, annuities might be a reasonable choice, but be sure to research everything there is to know about what are annuities before buying anything.
Understanding how an annuity works requires that investors are familiar with annuities ratings.
It is important that individuals who have chosen to invest in annuities understand the different ratings and what they mean.
Understanding annuities ratings is very important for anyone who is interested in using an annuity as a means to earn additional income.
The bonus rate is an optional rate that individuals can have added to their annuities.
The renewal rate is the rate that the insurance company will continue to offer annuities at in the future.
The bailout rate is the rate at which individuals can end their annuities without incurring major financial penalties.
Anyone who has decided to invest in annuities should make it a goal to learn about the different ratings.
Anyone looking for a way to earn a steady amount of money over a course of years may be interested in fixed rate annuities.
Annuities can be an excellent investment choice for those that are seeking different ways to make their money grow.
These annuities are highly preferred by people who are interested in having a source of income that they can access at a later time.
There are different types of fixed annuities which can be purchased.
Those interested in investing in fixed rate annuities should know that there are different types of annuities available with a fixed rate of return.
Some of these are available as a combination of different annuities.
For example, some of the most popular fixed annuities are those that offer certain or lifetime payments.
There are also different varieties of the certain and lifetime annuities including the annuity certain, life annuity certain and life annuity.
These different varieties of life annuities offer payments either for the duration of a person's life or sometimes the payments will continue even after death to beneficiaries.
There are also other options that are available such as joint annuities that cover the life span of two individuals who invest together.
Refund annuities provide yet another alternative and allow the investor's beneficiary to receive all or a portion of the amount that the investor placed into the annuity prior to death.
Those interested in purchasing an annuity should speak with a financial adviser in order to determine which fixed rate annuities are best.
One of the biggest benefits of these types of annuities is the tax deferred growth.
Another advantage to having the fixed annuities is the fact that this type of annuity has a guaranteed rate and the investor is always assured that they will receive a certain amount from their investment.
To find out if annuities are right for you, speak to a financial adviser.
Understand the hidden costs of variable annuities when deciding upon this type of investment.
It is best that any person interested in variable annuities speak with a financial adviser in order to obtain more details on this investment option.
Variable annuities offer people the option of receiving payments throughout their life.
The accumulation phase does reveal some hidden costs of variable annuities, such as fees that may be charged as a result of changing your portfolio options.
There are a number of hidden costs of variable annuities that should be noted before deciding to make an investment of this sort.
Management and administrative fees are also prevalent when you purchase variable annuities.
Individuals should make sure to speak to someone in detail about their options and any fees when considering variable annuities as an investment option.
Aviva deferred annuities are financial products that provide a guaranteed income.
Aviva offers fixed and fixed indexed annuities to its customers.
Aviva deferred annuities can also be in a fixed index form.
Both types of annuities can provide an individual with a guaranteed income for life.
Annuities are products that are commonly offered by insurance companies.
In order to understand how to effectively operate a calculator that is specifically used for annuities, it is necessary to have a thorough understanding of what annuities are and the various processes that are used to provide payouts.
Annuities can be purchased in a variety of different types.
Annuities are available in two specific traits, which include fixed and variable rate.
Fixed rate annuities are purchased for the long-term savings and allow you to lock in a certain rate at the time of purchase that you will continue to pay until the maturity date for the payout.
Variable rate annuities, on the other hand, are popular for those who want to earn money quickly.
These annuities are riskier as there isn't a set rate that you are guaranteed and they fluctuate with the market.
There are a variety of different calculators for annuities available throughout the Internet.
There are calculators that are specifically for immediate and deferred annuities at Free Annuity Rates.com Intermediate Annuities and Free Annuity Rates.com Deferred Annuities.
These particular types of calculators can help you to determine the regular payout amount for an immediate annuity or the final payout for both variable and fixed annuities.
There are also present and future calculators for annuities at Free Annuity Rates.com Present Value and Future Annuity Rates.com Future Value.
When it comes time to plan your retirement, you may hear the phrase "tax sheltered annuities."
In most cases, tax sheltered annuities offer the added bonus of employer contributions as well.
Deferring taxes on the amount you invest into your retirement plan is a huge benefit of tax sheltered annuities.
Annuities can also be used in conjunction with these other plans.
Annuities can be used for more than just income.
It might sound overwhelming, but just keep in mind that annuities can be a great way to get your money working for you.
Investors who are looking for a financial vehicle that can provide them with a lifetime income may wish to consider buying Metlife annuities.
Metlife offers insurance products, as well as annuities and benefit programs to customers in over 60 countries.
Metlife offers variable, income, and fixed annuities to its customers.
Income annuities can be set up to start paying out immediately or the start of payments can be deferred to a later time.
A prospective investor should take the time to consider all the Metlife annuities offered by the company before making a final decision.
Fixed index annuities are an investment tool used to fund retirement.
The main advantage of choosing fixed index annuities is that the principal invested in the plan is protected.
The power of compound interest is another advantage of choosing fixed index annuities as an investment vehicle for retirement.
Before making a final decision about whether fixed index or other annuities are right for you, prospective investors should take some time to educate themselves about their options.
It's important to ask questions before making a final decision about fixed index or other annuities so the investor knows exactly what he or she is getting and what terms apply to the investment.
If you find yourself asking "How do annuities work?" it's likely you're thinking about planning for retirement.
Annuities are tax deferred, which means that you do not have to pay taxes on your investments until you begin receiving payments on them.
You should speak to your insurance provider in great detail to find out more in regards to how do annuities work.
If you've never had a pension benefit where you work or you recently lost your access to a pension plan, a clear outline of annuities for dummies may be exactly what you need to replace that lost retirement savings vehicle.
Many people don't realize that insurance annuities work much like traditional employer pensions and they are accessible to anyone regardless of employment or financial status.
If you're like most other people, the concept of annuities seems foreign, complicated, and something that only financial experts talk about.
You may be surprised to learn that annuities are actually very accessible to savvy investors and regular investors alike.
Annuities are not much different, except that your contractual agreement is with an insurance company rather than with an employer.
The perceived complexity of annuities comes from the number of options that are available to people, not so much from any real complexity in how these investment vehicles work.
Since this article is an annuities for dummies outline, it's important that you understand the simplicity of annuities rather than their complexity.
The best way to simplify annuities is to break them down into the types that are available to you as a private investor.
When you opt for fixed annuities as a retirement investment, the trick is to make sure the period of your payments ends around the time that you plan to retire and stop working.
Once you start receiving payment from your annuities, the real question is how long you will live.
The only difference between fixed annuities and indexed annuities is that the interest rate for an indexed annuity follows a financial index, such as the Standard & Poor's 500 index of the stock market.
However, along with increased risk comes the possibility for the annuity to increase in value much more rapidly than fixed annuities.
Variable annuities are similar to indexed annuities in that the returns and growth is set up to track the stock market.
However, with variable annuities, returns aren't only tied to fixed indexes like the S&P 500.
Those, in combination with the insurance company management fees, usually make variable annuities unaffordable to older investors.
Instead of retirement vehicles, variable annuities are often utilized by business owners in order to insure against liability and business losses.
Unlike fixed annuities, where the investor makes regular payments over an accumulation phase, in the immediate annuity the accumulation phase doesn't exist.
If you are concerned about having enough of an income during your retirement years, contact your local financial advisor and ask about what insurance annuities can do for you.
For information regarding the book Annuities for Dummies, visit Amazon.
All the members of the suppressed communities received full exercise of all the ordinary political and civil rights of laymen; and annuities were granted to all those who had taken permanent religious vows prior to the 18th of January 1864.
Princely abodes in France and annuities (the latter to be paid by Spain) - such was the price at which Napoleon bought the crown of Spain and the Indies.
To raise money offices were systematically sold, and issue after issue of the two kinds of monti-securities, which may be roughly described as government bonds and as life annuities, was marketed at ruinous rates.
He also published a Treatise on Annuities (1725), which has passed through several revised and corrected editions.
From the 13th century the towns had issued ("sold," as it was called)annuities, either for life or for perpetuity in ever-increasing number, until it was at last found impossible to raise the funds necessary to pay them.
The successive publication of Tables for the Purchasing and Renewing of Leases (1802), of The Doctrine of Interest and Annuities (1808), and The Doctrine of Life-Annuities and Assurances (1810), earned him a high reputation as a writer on life-contingencies; he amassed a fortune through diligence and integrity and retired from business in 1825, to devote himself wholly to astronomy.
Belgium undertook at her own charges and at an estimated cost of £2,000,000 to complete" the works of embellishment "begun in Belgium with funds derived from the Fondation and to create a debt of £2,000,000 chargeable on the funds of the colony, which sum was to be paid to the king in fifteen annual instalments - the money, however, to be expended on objects" connected with and beneficial to the Congo."The annuities to members of the royal family were to be continued, and other subsidies were promised.
Its technical name is the property and income tax, but it is essentially a charge upon all incomes or profits, whether arising from property, or from the remuneration of personal services, or from annuities, income being applied with the widest possible meaning.
Insurance and Annuities are matters of general importance, which are dealt with elsewhere under their own headings.
But his greatest financial measures were his attempt to fund the French debt and his establishment of annuities under the guarantee of the state.