Financial Planning

An annuity is a promise from an insurance company to provide you with monthly income payments for life. Whether you buy a deferred annuity for the future or an immediate annuity to guarantee...

Sometimes people find that the insurance protection from their cash value life insurance is no longer necessary. In these cases, they want to access the cash value or put it to work in a higher...

There are many reasons you may need to cash out of an immediate annuity. Perhaps you need to restructure your investment portfolio or you are facing financial hardship. By definition, immediate...

Many people wonder about the flexibility of an annuity and the difficulty of getting money out. While annuities are long-term investments, you don't need to fear that you have frozen your money...

Winning the lottery is a dream come true for many people. A lottery win can have a huge impact on many areas of your life including your finances, friendships and romantic relationships. Proper...

If you have an annuity payment that arrives each month, you may not realize that you can sell your payments for a lump sum. When you sell, you'll give up that monthly income, but if your financial...

Fixed rate annuities are contracts issued by insurance companies. There are two types of fixed annuities: immediate and deferred. Immediate annuities begin paying income immediately as the name...

If you are involved in a lawsuit and awarded a settlement you will usually have a choice between a lump sum payment or a structured settlement. As the name implies, a lump sum payment consists of...

An annuity is a series of payments made or received at standardized intervals over a predetermined period of time; ordinary annuities are payed at the end of these standardized intervals. Knowing...

An annuity is an investment that accumulates interest on the principal over time. It is usually held by an insurance company. When you retire, you receive payments, including principle and...

Several factors are needed to calculate an annuity value. An annuity is a series of payments over time based on an initial investment plus earned income. As such, calculating its value involves...

Losses in the value of an annuity don't have to be a complete loss. You can use these losses as a tax deduction if you completely realize the loss by fully cashing out or surrendering the annuity....

There are two basic types of annuities, fixed and variable. The main difference between the two products is risk tolerance. A fixed annuity guarantees a fixed amount of interest in return for...

Someone becomes a top annuity producer by working with compliant insurance companies. Become a top annuity producer with tips from a registered financial consultant in this free financial planning...

A CD, or certificate of deposit, is bank issued; while annuities are issued by insurance companies. Discover the differences between certificates of deposit and annuities with tips from a...

The inherent problem of variable annuities is that funds will go up and down. Learn about the drawbacks of variable annuities with information from a registered financial consultant in this free...

Annuities are often sold to the public through the use of seminars. Sell annuities to the public with tips from a registered financial consultant in this free financial planning video.

The best pension annuity rates are important because many corporations are cutting back on inherent pension programs. Find the best pension annuity rates with tips from a registered financial...

In a tax-sheltered annuity, the growth of money within an annuity is not taxed. Use tax-sheltered annuities to keep money from getting taxed with tips from a registered financial consultant in...

Variable annuities take mutual funds and surround them with life insurance. Learn about variable annuities with information from a registered financial consultant in this free financial planning...

The formula for annuities is accumulation followed by distribution. Plan for the future by understanding the formula for annuities with tips from a registered financial consultant in this free...

An equity annuity index allows someone to participate in the stock market. Participate in the stock market by using an equity index annuity with tips from a registered financial consultant in this...

An annuity broker is a person who is licensed to sell annuities to the general population. Learn about annuity brokers with information from a registered financial consultant in this free...

In a tax-sheltered annuity plan, the accumulation of money is safe from income tax as long as it's in the vessel of an annuity. Shelter income from taxes in the vessel of an annuity with tips from...

Insurance companies manage annuities and should be researched for their ratings. Research the best annuity companies with tips from a registered financial consultant in this free financial...

A variable annuity allows people to participate in an annuity while retaining the full power of the stock market. Use variable annuities to retain full power of the stock market with tips from a...

Licensed financial advisers can answer annuity questions and clarify misunderstandings. Discover the basics of annuity marketing with information from a registered financial consultant in this...

An annuity is an insurance instrument that insures retirement. Learn about annuities with information from a registered financial consultant in this free financial planning video.

An immediate annuity allows someone to receive money in an income stream that fits into their budget. Learn about immediate annuities with information from a registered financial consultant in...

A structures settlement annuity is usually the result of litigation in which one party receives a court-ordered financial award. Learn about structured settlement annuities with information from a...

A reverse annuity mortgage turns a home into a financial planning tool. Plan finances for the future by using reverse annuity mortgages with tips from a registered financial consultant in this...

Insurance companies offer different annuity rates when competing for business. Research the different annuity rates of insurance companies with tips from a registered financial consultant in this...

Annuities work through accumulation and distribution periods. Discover the phases of annuities with tips from a registered financial consultant in this free financial planning video.

Financial advisers who sell annuities should be fully licensed and accredited. Buy annuities with tips from a registered financial consultant in this free financial planning video.

A qualified annuity allows money to be put into an annuity without paying taxes on the growth. Shelter qualified annuity products with tips from a registered financial consultant in this free...

A fixed annuity has a fixed rate of return and is not tied into the market. Invest in fixed annuities with tips from a registered financial consultant in this free financial planning video.

An Annuity is a regular payment made at fixed intervals over a set period of time on a cash investment. A Perpetual Annuity is an annuity with no assigned end, a stream of cash payments that will...

Everyone's heard of putting money to work, but an annuity is one of those rare cases where a return on capital is guaranteed for life. The word "annuity" has the same linguistic roots as "annual",...