for life A predictable monthly income stream. Option to choose an income that s guaranteed to last a lifetime.
|
|
- Lilian McLaughlin
- 8 years ago
- Views:
Transcription
1 for life A predictable monthly income stream. Option to choose an income that s guaranteed to last a lifetime. Financial peace of mind during retirement.
2 To enjoy a secure retirement, you need more than just an IRA or 401(k) plan. Sooner or later you ll need a strategy for converting your savings into an income stream that will support you for the rest of your life. But it s not easy to create such a strategy on your own. If you don t allow for market downturns or financial emergencies or if you re one of the many Americans who live until their late 80s or 90s you could run out of money during your lifetime. An income annuity can help you solve that problem. By purchasing an annuity with part of your retirement savings, you can establish either a fixed or variable income that s guaranteed to last as long as you do.* In short, annuities are the closest you can get to ensuring a lifelong retirement income for yourself. *The guarantee applies to the claims-paying ability of the insurance company that issues the annuity, not to the return on the underlying investments.
3 How an Income Annuity Works An annuity resembles a life insurance policy, only in reverse. With life insurance, you pay premiums in return for a guaranteed lump sum payment to your beneficiary. With an annuity, you pay a lump sum up front in return for a stream of guaranteed payments. That s why buying an annuity as opposed to making withdrawals from your retirement accounts offers more peace of mind. Fixed versus variable payments You can receive annuity payments on a fixed or variable basis. If you choose fixed payments, you ll receive identical payment amounts based on your initial lump-sum purchase, your life expectancy or a specified number of years, and a rate of return calculated by the annuity issuer. Once payments begin, they re immune to stock market volatility or changes in interest rates. If you choose variable payments, you select from a list of investment options. And you can change your investment mix periodically. Your first payment is usually based on an assumed 3% to 5% annual return; subsequent payments will vary in size, depending on how your investments perform. Variable payments give you the potential for growth which can help you keep up with inflation but it also carries the potential for loss.
4 Life versus period certain options Under the life annuity option, your payments last as long as you live and end with your death. If you re married, you can arrange to have the payments last for as long as either you or your spouse is living. If you choose a life annuity with period certain, payments are guaranteed for any length of time between 10 and 30 years. If you die before the period ends, your beneficiary will receive your remaining payments. Important factors to consider Turn part of your savings into an annuity. After you start receiving annuity payments, you may not have access to the money you used to purchase the annuity. For that reason, many people use only a third or a fourth of their retirement savings to buy an annuity enough to generate a stream of payments that will cover their basic living expenses and keep the rest in investments that are more liquid or offer more potential for long-term growth.
5 Choose a highly rated insurance company. How safe are annuities? If you receive fixed payments, they are guaranteed by the insurance company that issues the annuity, subject to the company s claims paying ability. (That s why you should choose an issuer that gets high marks for strength and stability from credit rating agencies like A.M. Best Company.*) With variable payments, you will always receive a payment, but its exact value will vary with the performance of the underlying investments. How to learn more about annuities For more information about annuities, call the Vanguard Annuity and Insurance Center at , or visit Vanguard s website at and go to the Personal Investors section. Click on the Services tab, and then choose Annuity & Insurance Services from the menu on the left. *Ratings of the insurance company do not apply to the underlying portfolios and do not provide protection against investment risk.
6 Vanguard Annuity and Insurance Services Post Office Box 1105 Valley Forge, PA World Wide Web Toll-Free Investor Information For more complete information, including risks, charges, and expenses, on any annuity product available through Vanguard, call for a free prospectus. Read it carefully before investing. Printed on recycled paper The Vanguard Group, Inc. All rights reserved. Vanguard Marketing Corporation, Distributor. VANS
Your guide to annuitization
Your guide to annuitization The Vanguard Variable Annuity is issued by Transamerica Premier Life Insurance Company and, in New York State only, by Transamerica Financial Life Insurance Company. 5070 (07/14)
More informationProtect your plan savings for retirement. New York University 457(b) Deferred Compensation Plan
Protect your plan savings for retirement New York University 457(b) Deferred Compensation Plan Whether you have left the workforce or have simply changed employers, it is important to protect the money
More informationProtect your heirs by selecting the right structure for your Vanguard Variable Annuity
Protect your heirs by selecting the right structure for your Vanguard Variable Annuity 5074 (04/11) Make the right choices when structuring your annuity When you buy a Vanguard Variable Annuity, you have
More informationConverting Savings into Retirement Income
Vanguard Financial Education Series retirement income How to turn retirement savings into retirement income You ve been saving for retirement for years. Now that your retirement is near, how will you convert
More informationWhat to do when you inherit a Vanguard Variable Annuity
What to do when you inherit a Vanguard Variable Annuity The Vanguard Variable Annuity is issued by Transamerica Premier Life Insurance Company and, in New York State only, by Transamerica Financial Life
More informationINCOME Promise. An Single-premium Immediate Fixed Annuity Underwritten by Nationwide Life Insurance Company
INCOME Promise An Single-premium Immediate Fixed Annuity Underwritten by Nationwide Life Insurance Company What is a single-premium immediate fixed annuity? A single-premium immediate fixed annuity is
More informationBasic Facts about Variable Annuities
Basic Facts about Variable Annuities Variable annuities are long-term investment vehicles that provide a unique combination of insurance and investment features. Fundamentally, a variable annuity is an
More informationAnnuities The Key to a
Annuities The Key to a Secure Retirement 1 Saving for retirement is crucial, and making sure those resources last throughout your lifetime is just as important. Annuities do both helping you save, then
More informationMetropolitan Life Insurance Company
Metropolitan Life Insurance Company FIXED INCOME ANNUITY QUESTIONS & ANSWERS Important Information about Fixed Income Annuities for FRS Investment Plan Participants This information will help you decide
More informationSteady income with growth potential
Steady income with growth potential Secure Income through the Vanguard Variable Annuity Product issued by Transamerica Premier Life Insurance Company and, in New York State only, by Transamerica Financial
More informationYour pension benefit options
2 Your pension benefit options Traditional pension plans generally provide the option of a lump-sum payment or a fixed monthly payment for life through an annuity. The fixed monthly payment amount is usually
More informationPayouts. Protection. In One Place.
Payouts. Protection. In One Place. ING Single Premium Immediate Annuity issued by ING USA Annuity and Life Insurance Company Your future. Made easier. Payouts. Protection. In today s financial world, some
More informationPayouts. Protection. In One Place.
Payouts. Protection. In One Place. ING Single Premium Immediate Annuity ANNUITIES Your future. Made easier. Payouts. Protection. In today s financial world, some products provide payout options. Others
More informationUnderstanding Annuities
Annuities, 06 5/4/05 12:43 PM Page 1 Important Information about Variable Annuities Variable annuities are offered by prospectus, which you can obtain from your financial professional or the insurance
More informationVoya Single Premium Immediate Annuity
Voya Single Premium Immediate Annuity issued by Voya Insurance and Annuity Company Payouts. Protection. In One Place. Payouts. Protection. In One Place. In today s financial world, some products provide
More informationExcerpts from IRI Annuity Fact Book Variable Annuity 101 An annuity is often viewed as life insurance in reverse. Whereas life insurance protects an individual against premature death, an annuity protects
More informationAnnuity Principles and Concepts Session Five Lesson Two. Annuity (Benefit) Payment Options
Annuity Principles and Concepts Session Five Lesson Two Annuity (Benefit) Payment Options Life Contingency Options - How Income Payments Can Be Made To The Annuitant. Pure Life versus Life with Guaranteed
More informationVoya Single Premium Immediate Annuity
Voya Single Premium Immediate Annuity issued by Voya Insurance and Annuity Company Payouts. Protection. In One Place. Payouts. Protection. In One Place. In today s financial world, some products provide
More informationStrategies for Turning Retirement Savings Into Retirement Income
Private Wealth Management Products & Services Strategies for Turning Retirement Savings Into Retirement Income How to move from accumulating assets to utilizing them Retirement Income Planning is more
More informationUnderstanding Annuities
Understanding Annuities Annuities issued by Pruco Life Insurance Company (in New York, issued by Pruco Life Insurance Company of New Jersey) and The Prudential Insurance Company of America. 0160994-00006-00
More informationBuyer s Guide for Deferred Annuities Variable
Buyer s Guide for Deferred Annuities Variable Prepared by the NAIC National Association of Insurance Commissioners This guide does not endorse any company or policy Reprinted by John Hancock Life Insurance
More informationManaging Your Beneficiaries Inheritances
Managing Your Beneficiaries Inheritances A Predetermined Beneficiary Payout Option 8/13 23220-13A You re in Control With the Predetermined Beneficiary Payout Option, you have the flexibility to choose
More informationCreating future lifetime income with Deferred Income Annuities
Creating future lifetime income with Deferred Income Annuities Fixed annuities available at Fidelity are issued by third-party insurance companies, which are not affiliated with any Fidelity Investments
More informationNAIC Buyer s Guide for Fixed Deferred Annuities
NAIC Buyer s Guide for Fixed Deferred Annuities It s important that you understand how annuities can be different from each other so you can choose the type of annuity that s best for you. The purpose
More informationImmediate Annuities. Reno J. Frazzitta Investment Advisor Representative 877-909-7233 www.thesmartmoneyguy.com
Reno J. Frazzitta Investment Advisor Representative 877-909-7233 www.thesmartmoneyguy.com Immediate Annuities Page 1 of 7, see disclaimer on final page Immediate Annuities What is an immediate annuity?
More informationFREEDOM TO ENJOY YOUR FUTURE
FREEDOM TO ENJOY YOUR FUTURE SYMETRA FREEDOM INCOME ANNUITY Not a bank or credit union deposit or obligation Not FDIC or NCUA/NCUSIF insured Not insured by any federal government agency Not guaranteed
More informationBuyer s Guide for Deferred Annuities Fixed. Table of Contents
Buyer s Guide for Deferred Annuities Fixed Table of Contents What Is an Annuity?...2 When Annuities Start to Make Income Payments... 2 How Deferred Annuities Are Alike... 2 How Deferred Annuities Are Different...
More informationUsing Life Insurance for Pension Maximization
Using Life Insurance for Pension Maximization Help your clients capitalize on their pension plans Agent Guide For agent use only. Not to be used for consumer solicitation purposes. Help Your Clients Obtain
More informationSecure. Income SM. Pacific. Client Guide. A Fixed, Deferred Income Annuity for a Confident Retirement 4/15 97001-15A
Secure Pacific Income SM A Fixed, Deferred Income Annuity for a Confident Retirement 4/15 97001-15A Client Guide Why Pacific Life Pacific Life has more than 145 years of experience, and we remain committed
More informationPalladium Single Premium Immediate Annuity With
Palladium Single Premium Immediate Annuity With Cost Of Living Adjustment Income For Now... Guaranteed Income For Life! A Single Premium Immediate Annuity Issued By Income for Your Needs Now and in the
More informationIncome Plus Variable Annuity
Just the facts about New York Life... Income Plus Variable Annuity What is the New York Life Income Plus Variable Annuity? 1 Why should I consider Income Plus with the Guaranteed Future Income Benefit
More informationVariable Annuity. Variable Product Series. Building your future with a secure partner SM. Kansas City Life Insurance Company
Variable Annuity Variable Product Series Building your future with a secure partner SM Kansas City Life Insurance Company Variable Annuity Features at a Glance Minimum Deposit $5,000 minimum single deposit
More informationTIAA-CREF Life Insurance Company. TIAA-CREF Investment Horizon Annuity. Save tax deferred with guaranteed rates
TIAA-CREF Life Insurance Company TIAA-CREF Investment Horizon Annuity Save tax deferred with guaranteed rates TIAA-CREF: Financial services Almost 100 years ago, Teachers Insurance and Annuity Association
More informationA GUIDE TO INVESTING IN ANNUITIES
A GUIDE TO INVESTING IN ANNUITIES What Benefits Do Annuities Offer in Planning for Retirement? Oppenheimer Life Agency, Ltd. Oppenheimer Life Agency, Ltd., a wholly owned subsidiary of Oppenheimer & Co.
More informationA guide to payment options for employees of tax-exempt institutions. 457(b) Deferred Compensation Plan. Income choices from TIAA-CREF
A guide to payment options for employees of tax-exempt institutions 457(b) Deferred Compensation Plan Income choices from TIAA-CREF TIAA-CREF: leaders in retirement planning After you stop working for
More informationMake your money last through your retirement
Make your money last through your retirement symetra advantage income immediate annuity Not a bank or credit union deposit or obligation Not FDIC or NCUA/NCUSIF insured Not insured by any federal government
More informationRedefine your means in retirement. So you can do more of what matters.
Redefine your means in retirement. So you can do more of what matters. More guaranteed income to count on when you need it to count. It s taking that second vacation instead of giving it a second thought.
More informationCreating lifetime income with Immediate Fixed Income Annuities
Creating lifetime income with Immediate Fixed Income Annuities Fixed annuities available at Fidelity are issued by third-party insurance companies, which are not affiliated with any Fidelity Investments
More informationIncome for Life Annuity Program* Immediate Annuities for Retirement Income
Income for Life Annuity Program* Immediate Annuities for Retirement Income *ICMA-RC partners with select insurance companies that make annuities available through the Income for Life Annuity program. Participating
More informationMEMBERS Future Income Annuity
MEMBERS Future Income Annuity GUARANTEED INCOME FOR LIFE Move confidently into the future MFA-875346-034-046 A financial services company serving financial institutions and their clients worldwide. It
More informationHow To Understand The Benefits Of A Payout Annuity
ADVISOR USE ONLY PAYOUT ANNUITY Overcoming objections Life s brighter under the sun Overview Payout annuities are a powerful retirement tool and have been an important product for many years. They re sometimes
More informationHow To Plan For Retirement
ONcore Variable Annuities Protecting Retirement Income and Assets Protect Guarantee retirement income without sacrificing your Plan Accumulate legacy to heirs. Access NOT A DEPOSIT NOT FDIC INSURED NOT
More informationAlthough variable annuities are typically invested in mutual funds, variable annuities differ from mutual funds in several important ways:
VARIABLE ANNUITIES Variable annuities have become part of the retirement and investment plans of many Americans. Before you buy a variable annuity, you should know some of the basics - and be prepared
More informationExplorer. Client Guide. A Deferred Fixed Annuity for a Confident Retirement 60002-11A 9/11
Explorer A Deferred Fixed Annuity for a Confident Retirement 60002-11A 9/11 Client Guide The Power to Help You Succeed Pacific Life has more than 140 years of experience, and we remain committed to providing
More informationINVESTMENT AND PLANNING SOLUTIONS. Redefine your means in retirement. Member FINRA/SIPC
INVESTMENT AND PLANNING SOLUTIONS Redefine your means in retirement Member FINRA/SIPC INVESTMENT AND PLANNING SOLUTIONS More guaranteed income to count on when you need it to count. It s taking that second
More informationRetirement Income Investment Strategy by Andrew J. Krosnowski
Retirement Income Investment Strategy by Andrew J. Krosnowski Step 1- Income Needs-When formulating a successful strategy to generate income during retirement we feel that it is important to start by identifying
More informationG U A R A N T E E D I N C O M E S O L U T I O N S NEW YORK LIFE LIFETIME INCOME ANNUITY
G U A R A N T E E D I N C O M E S O L U T I O N S NEW YORK LIFE LIFETIME INCOME ANNUITY NEW YORK LIFE: BUILT FOR TIMES LIKE THESE New York Life Insurance Company, the parent company of New York Life Insurance
More informationFreedom Variable Annuity
Freedom Variable Annuity Variable Product Series Building your future with a secure partner SM Kansas City Life Insurance Company Freedom Variable Annuity features at a glance Minimum deposit $25,000 minimum
More informationONcore Variable Annuities. Guaranteed Lifetime Withdrawal Benefit Preferred IS Rider
ONcore Variable Annuities Guaranteed Lifetime Withdrawal Benefit Preferred IS Rider Building Your Retirement Income Strategy You ve spent years working hard and sacrificing to save money for your retirement.
More informationUnderstanding annuities
ab Wealth Management Americas Understanding annuities Rethinking the role they play in retirement income planning Protecting your retirement income security from life s uncertainties. The retirement landscape
More information3/15 23203-15A. Annuity Distribution Options for Your Beneficiaries
3/15 23203-15A Annuity Distribution Options for Your Beneficiaries Getting Started Beneficiary distribution options tied to annuity assets may differ depending on the types of retirement assets as well
More informationStructuring Your Future with Pacific Life
STRUCTURED SETTLEMENTS Personal Physical Injury Annuities Structuring Your Future with Pacific Life Tax-Free, Guaranteed Payments 10/13 26186-13A Why Pacific Life It s essential for you to choose a strong
More informationYour Number. Every person has one. ANNUITIES. Your future. Made easier. SM
Your Number. Every person has one. Not FDIC/NCUA Insured Not A Deposit Of A Bank Not Bank Guaranteed May Lose Value Not Insured By Any Federal Government Agency ANNUITIES Your future. Made easier. SM Know
More informationProtect Tomorrow. Embrace Today.TM
Protect Tomorrow. Embrace Today.TM Protective Fixed Annuities At a Glance PABD.4762 (06.12) The Strength of Our Promise For more than 100 years, our mission has remained boldly alive in our name. We are
More informationMarblehead Financial Services
Marblehead Financial Services Bill Bartin, CFP Located at Marblehead Bank 21 Atlantic Avenue Marblehead, MA 01945 781-476-0600 781-715-4629 wbartin@infinexgroup.com Annuities Page 1 of 7, see disclaimer
More informationRetirement: Time to Enjoy Your Rewards
Retirement: Time to Enjoy Your Rewards New York Life Guaranteed Lifetime Income Annuity The Company You Keep Some people generate retirement income by withdrawing money from their savings as they need
More informationVariable Annuity Overview
Variable Annuity Overview CAC.1162 (04.12) Protect Tomorrow. Embrace Today.TM When planning for your retirement, you ll find there are a variety of products, investments and strategies that can be utilized
More informationBuyer s Guide for Deferred Annuities. Table of Contents
Buyer s Guide for Deferred Annuities Table of Contents What Is an Annuity?... 1 When Annuities Start to Make Income Payments... 1 How Deferred Annuities Are Alike... 1 How Deferred Annuities Are Different...
More informationIs Your. Plan on. To protect long-term savings in today s volatile market, consider a traditional safety net: annuities. SPECIAL ADVERTISING SECTION
Is Your Retirement Plan on Target? To protect long-term savings in today s volatile market, consider a traditional safety net: annuities. In partnership with: When it comes to financial planning, it s
More informationVariable Annuities. Information is an investor s best tool. What You Should Know WHAT YOU SHOULD KNOW 1
Variable Annuities What You Should Know Information is an investor s best tool WHAT YOU SHOULD KNOW 1 2 VARIABLE ANNUITIES Variable Annuities Variable annuities have become a part of the retirement and
More informationSingle Premium Affinity Variable Annuity
Single Premium Affinity Variable Annuity Variable Product Series Building your future with a secure partner Kansas City Life Insurance Company Single Premium Affinity Variable Annuity Features at a Glance
More informationHow To Decide Whether To Take A Pension Payout Or Take A Lump Sum Payout
CONSIDERING A PENSION PAYOUT Seven decision factors to help you determine whether to continue pension benefits or take a lump sum payout. 180k 160 140 120 100 80 60 40 20 0 1990 1995 2000 1985 2005 KEY
More informationUnderstanding Annuities: A Lesson in Annuities
Understanding Annuities: A Lesson in Annuities Did you know that an annuity can be used to systematically accumulate money for retirement purposes, as well as to guarantee a retirement income that you
More informationAnnuities: Good, Not so Good, or Bad? (Another Free InvestEd Webinar)
Annuities: Good, Not so Good, or Bad? (Another Free InvestEd Webinar) Bob Adams 2013 B. Adams 4 Annuities: Good, Not so Good, or Bad? Are They For You? More often than not, it s clear that variable annuities
More informationChoosing your guaranteed retirement income
Choosing your guaranteed retirement income A StEP-BY-StEP GuIdE MEMBERS Single Premium Immediate Annuity Move confidently into the future 10000258 rev 0310MHC Choose your retirement income: 6 EASY StEPS
More informationMaking Your Money Last
U.S. INVESTMENT POLICY GUIDANCE REPORT Making Your Money Last Everyone has individual retirement goals, but we all have one in common: ensuring our money lasts throughout retirement. Even a well-designed
More informationMassMutual Single Premium Immediate Annuity
ANNUITIES MassMutual Single Premium Immediate Annuity Retirement Can Be An Exciting Journey INVEST INSURE RETIRE Peter and Gail Doherty will celebrate their 40th wedding anniversary later this year. When
More informationIncomeSource. Issuers: Integrity Life Insurance Company National Integrity Life Insurance Company. Single Premium Immediate Annuity
IncomeSource Single Premium Immediate Annuity RISK MANAGEMENT FINANCIAL SOLUTIONS Issuers: Integrity Life Insurance Company National Integrity Life Insurance Company CF-10-29000-1209 Create Retirement
More informationLifetime Retirement Planning with Wells Fargo Advisors Income guarantees for your retirement savings
Lifetime Retirement Planning with Wells Fargo Advisors Income guarantees for your retirement savings Get there. Your way. Lifetime Retirement Planning with Wells Fargo Advisors 1 Guaranteed income for
More informationBuyer s Guide for. Deferred Annuities. Fixed
Buyer s Guide for Deferred Annuities Fixed Prepared by the NAIC National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance
More informationAnnuities & Retirement Planning
This customized article, originally provided by Broadridge, is to provide some basic education about this topic as a prelude for the in-depth conversation that you will have with your advisor. This is
More informationUnderstanding Annuities
Retirement Planning Understanding Annuities Learn how these versatile investments can be part of your strategy for retirement savings and income. understanding annuities Annuities can help provide the
More informationPrincipal Income Protector SM Helping Maximize Income for Life
Principal Income Protector SM Helping Maximize Income for Life W E U N D E R S T A N D W H A T Y O U R E W O R K I N G F O R. What does retirement mean to you? Retirement means something different to each
More informationCaution: Withdrawals made prior to age 59 ½ may be subject to a 10 percent federal penalty tax.
Annuity Distributions What are annuity distributions? How are annuity distributions made? How are your annuity payouts computed if you elect to annuitize? Who are the parties to an annuity contract? How
More informationImmediate Annuity. Move confidently into the future. 10000256 Rev 0413
MEMBERS Single Premium Immediate Annuity GUARANTEED retirement income Move confidently into the future 10000256 Rev 0413 A financial services company serving financial institutions and their clients worldwide.
More informationVariable annuities. A tax-advantaged way to save for retirement
Variable annuities A tax-advantaged way to save for retirement Common terms Annuitant The person (may be the same as the contract owner) whose life expectancy is used to calculate the income payment amount
More informationSYSTEMATIC WITHDRAWALS AND TRANSFERS FROM TIAA TRADITIONAL
SYSTEMATIC WITHDRAWALS AND TRANSFERS FROM TIAA TRADITIONAL THE TIAA TRADITIONAL ANNUITY The TIAA Traditional Annuity is a guaranteed annuity backed by TIAA s claims-paying ability. In the accumulation
More informationAnnuities. Introduction 2. What is an Annuity?... 2. How do they work?... 3. Types of Annuities... 4. Fixed vs. Variable annuities...
An Insider s Guide to Annuities Whatever your picture of retirement, the best way to get there and enjoy it once you ve arrived is with a focused, thoughtful plan. Introduction 2 What is an Annuity?...
More informationLearning Objectives 26. What Is Insurance? 3. Coverage Concepts 8. Types of Insurance 10. Types of Insurers 11. Introduction 26
Contents u n i t 1 Introduction to Insurance 1 Introduction 2 Learning Objectives 2 What Is Insurance? 3 Risk 4 Coverage Concepts 8 Types of Insurance 10 Types of Insurers 11 Domicile and Authorization
More informationadvisory & Brokerage consulting services Make Your Retirement Savings Last a Lifetime
advisory & Brokerage consulting services Make Your Retirement Savings Last a Lifetime Member FINRA/SIPC ADVISORY & Brokerage consulting SERVICES Three Things to Consider When Planning for Retirement Today,
More informationWhy are the interest rates higher than those offered by other fixed investments?
ST RUCT URED CASHF L OWS S t r uc t ur e d Ca s h F l ows. c om Discounted Cash Flows The secondary market for a variety of cash products has existed for years. These products range from pension payments,
More informationUnderstanding fixed index annuities
Allianz Life Insurance Company of North America Understanding fixed index annuities M-5217 Page 1 of 12 Page 2 of 12 It s time to rethink retirement. In past years, the financial markets have experienced
More informationUnderstanding annuities
Wealth Management Americas Understanding annuities Rethinking the role they play in retirement income planning Helping to protect your retirement income security from life s uncertainties. The retirement
More informationUnderstanding Annuities
Understanding Annuities Annuities ARE NOT INSURED BY FDIC OR ANY FEDERAL GOVERNMENT AGENCY MAY LOSE VALUE ARE NOT A DEPOSIT OF OR GUARANTEED BY ANY BANK OR ANY BANK AFFILIATE IFS-A092313 Ed. 01/2005 Letter
More informationThe Basics of Annuities: Planning for Income Needs
March 2013 The Basics of Annuities: Planning for Income Needs summary the facts of retirement Earning income once your paychecks stop that is, after your retirement requires preparing for what s to come
More informationBuyer s Guide for. Deferred Annuities. Fixed
Buyer s Guide for Deferred Annuities Fixed Prepared by the NAIC National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance
More informationFind out more a http://legacy.retirevillage.com 2015 Annuity.com. All rights reserved. This guide is copyrighted. It may not be reproduced without
1 Presented by: Shawn Hogan Legacy Insurance & Financial Group http://legacy.retirevillage.com An Insider s Guide to Annuities Plus Secrets the Insurance Companies don t want you to know! Whatever your
More informationYour Retirement Income Options. TIAA-CREF Financial Essentials
Your Retirement Income Options TIAA-CREF Financial Essentials Today we will discuss: 1. Determining your retirement income needs Income sources Covering your expenses 2. Threats to your retirement cash
More informationA Single-premium, Deferred Fixed Annuity for an Active Retirement 71003-11B 9/11. Client Guide
II A Single-premium, Deferred Fixed Annuity for an Active Retirement 71003-11B 9/11 Client Guide The Power to Help You Succeed It s essential for you to choose a strong and stable company that can help
More informationNAIC Buyer s Guide for Deferred Annuities
NAIC Buyer s Guide for Deferred Annuities Prepared by the National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance regulatory
More informationEarning Cash Balance Pay Credits
You Have a Choice New Cash Balance Pension You Have a Choice The important thing to understand is this: If you were hired through December 31, 2012 you don t have to change to the new cash balance pension
More informationNo bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency
Understanding annuities An Overview for Your Retirement No bank guarantee Not a deposit May lose value Not FDIC/NCUA insured Not insured by any federal government agency 2/15 13096-15A Contents Get Ready
More informationGuaranteed Lifetime Income Annuity II 1
Just the facts about the New York Life... Guaranteed Lifetime Income Annuity II 1 Issuing company Product type Issue ages 2 Single premium payment Income payment modes New York Life Insurance and Annuity
More informationDesign your own retirement
Design your own retirement Lincoln Deferred Income Solutions SM Annuity Products issued by: The Lincoln National Life Insurance Company Not a deposit Not FDIC-insured May go down in value Not insured by
More informationBuyer s Guide for. Deferred Annuities. For personal, non-commercial use only.
Buyer s Guide for Deferred Annuities Prepared by the NAIC National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance regulatory
More informationOverview of Your TIAA-CREF Investment Solutions SM Accounts
Overview of Your TIAA-CREF Investment Solutions SM Accounts TIAA-CREF Investment Solutions SM now offers you nine mutual funds in addition to our fixed and variable annuity accounts. TIAA-CREF Investment
More informationGuaranteeing an Income for Life: An Immediate Income Annuity Review
Guaranteeing an Income for Life: An Immediate Income Annuity Review The biggest financial risk that anyone faces during retirement is the risk that savings will be depleted...the risk that income will
More information