Annuities

Immediate vs. Deferred Annuities The first basic distinction among annuities contracts is between immediate vs. deferred. As we have seen in various blog posts, all annuities are designed to be irrevocably converted into income at some point, by definition. We…

Immediate vs. Deferred Annuities The first basic distinction among annuities contracts is between immediate vs. deferred. As we have seen in the preceding blog posts, all annuities are designed to be irrevocably converted into income at some point, by definition.…

Basic annuity anatomy – built on life insurance Let’s begin with a basic premise: Annuities are life insurance contracts. Annuities are life insurance contracts. Those are just words, even with the repetition and the emphasis. So what does it mean?…

Why annuities can be easy to sell and appear more attractive to consumers? Why can annuities be easy to sell for those more interested in high commissions than in providing high value to investors?   Spotting fees, risk levels, taxation, and…