Life insurance annuity

What Is An Annuity, Empower Life Insurance Financial

What is an annuity and what are the benefits? There are many different forms of annuities that come in two separate packages called deferred and immediate. A deferred annuity means the money is invested for a period of time until it is withdrawn (annuitized). This option is popular when saving for retirement. An immediate annuity earns and pays out soon after the initial investment. This second option is often used for those who are already retired. Annuities have multiple benefits and can be personally tailored to fit specific needs. So, what are the specific benefits? Benefit #1: saving for retirement If savings have already reached as much as possible in a 401k or IRA, a tax-deferred...

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Variable Annuity Options with Farmers Financial Solutions

You’re worried about giving up your paycheck You’ve been pretty good about saving for retirement, but still worry about giving up your regular paycheck. How can you turn savings into income? Variable annuities can help you manage regular expenses with a guaranteed monthly income stream during retirement. You don’t want to outlive your savings All your grandparents lived well into their 90s — if you do, too, you’re anxious about outliving your retirement savings. Variable annuities can provide guaranteed income for life or a set amount of years you choose. (Note: Guarantees on annuities are backed by the claims-paying abilities of the issuing insurance companies.) You want to keep up with...

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Life Insurance and Annuity Sales Agent Jobs, Salary and LIcensing, What is a Financial Planner?, What does a Financial Planner do?

Life Insurance and Annuities Career Although life insurance producers have traditionally sold life insurance and fixed annuities, increasingly life insurance agents are moving into the financial planning arena and becoming licensed to sell variable annuities, mutual funds, and other securities. An annuity is a contract between the buyer and an insurance company, where the buyer pays a premium in return for receiving payments from the insurance company at a later time. Annuities have long been one of the most commonly used investment vehicles for providing guaranteed income during retirement, but annuities can also be used for other purposes, such as saving for a child’s education...

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Money Talk: The pros and cons of converting life insurance to an annuity - Los Angeles Times

Money Talk: The pros and cons of converting life insurance to an annuity Dear Liz: I have a life insurance policy that is worth $16,000 if I cash out. Our agent says if we convert this to an annuity, we would eliminate our monthly fee of $25. The policy is worth $35,000 if I should die with it still in effect. We purchased this only for the purpose to have me buried. Is converting this to an annuity a better option? Answer: Possibly, but you’ll want to shop around to find the best one rather than just accepting whatever rate your current insurer offers. You can compare offers at www.immediateannuities.com. Converting to an annuity through what’s known as a 1035 exchange means you’re...

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Retirement Annuities

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OneAmerica, Life Insurance Annuities

OneAmerica Offers Many Paths to Your Success Our comprehensive development program helps you leverage your entrepreneurial spirit and leadership skills as a general agent or career agent, and independent financial professionals capitalize on personal potential with the companies of OneAmerica. General Agents — Grow a general agency and lead financial professionals who sell our products to individuals and businesses. We provide transition compensation, financing, benefit packages and more. Career Agents — You can achieve your potential as a career agent with access to a fixed life insurance and annuity portfolio and our development program featuring schools, seminars, online curriculum and...

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An impartial review of the Pacific Life Variable Annuity

Warning: this is an in-depth review of the Pacific Choice Variable Annuity. Many annuity critics point to complexity as being a major negative for this asset class and Pacific Life doesn't dispel this criticism. The prospectus totals a voluminous 132 pages. So buckle up and let's dig in. The annuity business has grown in popularity as investors, especially those nearing retirement, look for options to protect themselves from stock market volatility and give them a decent income stream in retirement. With over $200 billion in annual sales, the annuity industry is big business with lots of salesmen trying to persuade you to make a purchase. You will often hear that annuities are sold, not...

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Old West Annuity & Life Insurance Company: Policyholder Information

Policyholder Information Company Overview On March 2, 2004, rehabilitation orders were entered by courts in Washington, Idaho, and Arizona for three insurance companies: Western United Life Assurance Company (domicile state: Washington), Old Standard Life Insurance Company (domicile state: Idaho), and Old West Annuity...

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Discover How To Become A Top Producing Insurance Agent With David Duford! - David Duford

If you’re interested in selling insurance, and are looking for the insurance sales training resources to optimize your chances for success, then you have come to the right place! My name is David Duford. I’m the owner of (go figure =). I specialize in working with new life insurance agents or training existing life insurance agents in successfully selling final expense insurance, annuity sales, Medicare Supplement sales, and mortgage protection sales. Taking New And Experienced Agents And Showing Them How To Succeed The reason insurance agents work with me is simple. They understand the positive impact that focused, personalized insurance training from a tenured producer can have on their...

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NRS: CHAPTER 688A - LIFE INSURANCE AND ANNUITY CONTRACTS

CHAPTER 688A - LIFE INSURANCE AND ANNUITY CONTRACTS NRS 688A.165??????? Surrender and request for cancellation of contract or policy. NRS 688A.180??????? Standard provisions: Annuity and pure endowment contracts. NRS 688A.282??????? Qualified charitable-gift annuity: Issuance does not constitute transacting insurance. NRS 688A.283??????? Qualified charitable-gift annuity: Contents and form of required disclosure. NRS 688A.284??????? Qualified charitable-gift annuity: Required notice to Commissioner; contents of notice; further information. NRS 688A.285??????? Qualified charitable-gift annuity: Effect of noncompliance; penalties. STANDARD...

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