Annuities

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Annuities play a very important role in retirement planning, enabling you to save money and taxes while eliminating the fear that you will outlive your savings. Basically an annuity is an investment contract or policy between you and an insurance company. There are many kinds of annuities - some tailored for income, some for future growth, and some as savings vehicles depending on your exact income and investment needs.

Annuities come in two different basic types: an immediate annuity and a tax-deferred annuity. With immediate annuities, you give a lump sum of money to the insurance company. Based on your age, life expectancy, and interest rates, the insurance company calculates how much they send each month - no matter how long you live.

What is a fixed annuity?

An annuity contract is a retirement tool in which the insurer agrees to make periodic payments to you, beginning either immediately or at some future date while offering a guaranteed minimum interest rate on your purchase payment(s) for a certain period of time.

What are the benefits of purchasing a fixed annuity?

A fixed annuity can be an important financial tool for your retirement plans. Here's why:

1. Competitive interest rate guarantees - Fixed annuities generally have competitive interest rates compared to other financial products for long-term savings.

2. Tax-deferred growth - For individual purchasers, income taxes on the earnings in a fixed annuity are not payable until the money is withdrawn from the contract.

3. Guaranteed lifetime income - Annuities offer lifetime income guarantees upon annuitization. These assurances are not found in other financial products.

4. Favorable withdrawal provisions - Many annuities allow up to 10 percent of the value of the contract to be withdrawn without surrender charges. Tax penalties may apply depending upon the age of the contract holder. (Generally, a 10 percent tax federal penalty applies to withdrawals prior to age 59 and six months)

5. No up-front sales charges - The contract value upon which interest is credited, is not reduced by sales charges. The contract value is reduced by surrender charges on early withdrawals.

6. Avoidance of probate - In the event of the annuitant's death, proceeds can pass directly to a named beneficiary without incurring probate expenses or possible delays.

7. Optional riders - Optional riders may be available to personalize your annuity.

Types of fixed annuities

* Immediate annuity - An immediate annuity is purchased with a one-time payment and provides an immediate stream of income for a specified period of time.

* Deferred annuity - With a deferred annuity, payments are made over time for a long term goal, such as retirement. Over the years, your money has the potential to accumulate tax deferred. Withdrawals providing an income stream begin in later years.

Who needs an annuity?

A fixed annuity might be right for you if you are looking for a way to protect your principal and receive a guaranteed rate of return.