Annuity Insurance

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Most “life insurance” companies sell annuities.An “annuity” is a contract between you (owner or the purchaser ) and an “ insurance” company. In its simplest form, you pay money to an annuity issuer and the issuer then pays the principal and earnings back to you or to a named beneficiary. Annuities are generally used to provide income in retirement.

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You pay the “insurance” company a sum of money and either all at once or incrementally.  The type of “annuity” you own determines whether your money earns a fixed amount or an amount that depends on the equities in which the annuity is invested. At a designated time chosen by you, known as the maturity date, the “insurance” company generally begins to send you regular distributions from the Annuity ’s account. Or you can be able to withdraw the money over time or in one lump sum.

//Types of Annuities (two types -fixed, -variable)

“Annuities” can be divided into two types; fixed and variable.Fixed annuities pay guaranteed dividends at set disbursement rates.This typically offers guaranteed payments over the course of the buyer’s life, based on the amount of the investment.((Compare annuity offers for free! ))

Variable “annuities” offer a range of investment options with returns depending on the performance of the investments. Mutual funds are a popular form of variable annuities.Hybrid annuities combine both fixed and variable annuities, allocating investments according to buyers’ needs. You can get your insurance annuity leads with just a form.((Compare annuity offers for free! ))

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