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Topic: Annuity

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In the News (Fri 24 May 19)

  Talk:Annuity - Wikipedia, the free encyclopedia
There is academic literature supporting the idea that annuities are fair value, i.e present value of market low-risk bond yields, adjusted by probability of death in any given year, plus "margin", plus additional loading for "selection bias" (the fact that annuitants choose annuities because they have a better estimate of their own mortality).
I think to be called an annuity the liquidation of a sum of money over a specified period of time has to be the primary purpose of the contract, and the payments have to be actuarially determined to last the specified period, and be guaranteed to do so.
Annuities may be named after a stream of payments, but if their largest use is not for that, and the stream of payments concept is the only thing the article introduction references, then the article does not represent the topic well.
en.wikipedia.org /wiki/Talk:Annuity   (1639 words)

 Committee of Annuity Insurers - Catalyst Study   (Site not responding. Last check: 2007-10-07)
Annuities are a tool primarily for use by people close to retirement who, in return for payments into the annuity, receive a stream of income through their natural lives.
Annuities are sometimes referred to as "reverse life insurance." With life insurance, the policyholder pays the insurer each year until he or she dies, after which the insurance company pays a lump sum to the insured's beneficiaries.
Annuities can be categorized along many dimensions, including the number and timing of premiums, the number of lives covered, the nature of the payouts, and the date at which benefits begin.
www.annuity-insurers.org /catalyst.shtml   (12281 words)

 Encyclopedia: Annuity   (Site not responding. Last check: 2007-10-07)
An annuity (from Latin annus, a year), is an investment that provides a defined series of payments in the future in exchange for an up-front sum of money.
In finance, an annuity is a series of fixed payments, usually over a fixed number of years; or for the lifetime of a person, in which case it would be called a life-contingent annuity or simply life annuity.
Annuities are a compulsory feature of certain savings schemes in some countries, where the government grants tax deductions, provided that savings are paid into a fund which can only (or mainly) be withdrawn as an annuity.
www.nationmaster.com /encyclopedia/Annuity   (290 words)

Prior to the late 1970s annuities were primarily used as a retirement income vehicle and the textbook definition of an annuity was a periodic income for a specified length of time, for life, or a combination of the two.
Instead, they treat the annuity value they have accumulated as any other asset and anecdotal evidence suggests that almost all of these accumulated annuity values are passed onto the heirs in a big lump sum and not turned into an income stream by the buyers of the annuities.
Annuities do have penalties for early withdrawal if the annuity is surrendered early, which is why one needs to match the period with their goals, keeping in mind that all annuities are designed to be long term savings instruments.
www.safemoneyplaces.com /annuity.htm   (2487 words)

 Annuity - Information about annuities
All varieties of deferred annuities have one thing in common: any increase in account values is not taxed until those gains are withdrawn.
A deferred annuity that permits allocations to stock or bond funds and for which the account value is not guaranteed to stay above the initial amount invested is correctly called a variable annuity.
In a typical immediate annuity contract, an individual would pay a lump sum or a series of payments (called premiums) to an insurance company, and in return receive a fixed income payable for the rest of their life.
annuity.gadget-info.com   (512 words)

 "Annuity" Defined & Explained
To enforce the payment of an annuity, the common law gives a writ of annuity which may be brought by the grantee or his heirs, or their grantees, against the grantor and his heirs.
The action of debt cannot be maintained at the common law for the arrears of an annuity devised to A, payable out of lands during the life of B, to whom the lands are devised for life, B paying the annuity out of it, so long as the freehold estates continues.
In cases where testator directs the annuity to be paid at the end of the first quarter, or other period before the expiration of the first year after his death, it is then due; but in fact it is not payable by the executor till the end of the year.
www.lectlaw.com /def/a054.htm   (456 words)

The simple answer is that money from an annuity that hasn't already been taxed is treated as ordinary income and is reported to the IRS on a 1099 by the insurance company.
Variable annuities also have an exclusion, but instead of applying the exclusion equally to all payments the exclusion is calculated for an entire year.
A Temporary annuity is cheaper than a period certain annuity because there is a discount based on the probability of the annuitant dying.
home.comcast.net /~markglass2000/annuity.html   (1714 words)

 Committee of Annuity Insurers Surveys   (Site not responding. Last check: 2007-10-07)
Owners of non-qualified annuities generally feel that they have done a very good job in saving for their own retirement (89% feel this way), but they do not think that people in the United States save enough for retirement (82% feel this way).
The fact that a high proportion believe that some of their non-qualified annuity savings will be part of their estate is, no doubt, a reflection of the fact that the event they fear may not occur and that some of their annuity savings will be left for their heirs.
As the change in the capital gains tax rates put annuities and other savings vehicles under the magnifying glass of public scrutiny, we think that a number of factors will cause middle-income Americans to continue to conclude that non-qualified annuities are an important part of their retirement savings.
www.annuity-insurers.org /vards1.shtml   (2426 words)

 Invest FAQ:Insurance:Annuities
An annuity with a fixed investment type offer a guaranteed return on investment by investing in government bonds and other low-risk securities, whereas a variable investment type means that the return on the annuity investment will depend on performance of the funds (called sub-accounts) where the money is invested.
The idea of a fixed annuity is that you give a sum of money to an insurance company, and in exchange they promise to pay you a fixed monthly amount for a certain period of time, either a fixed period or for your lifetime (the concept of 'annuitization').
The insurance portion of the annuity also may provide certain investment guarantees, such as guaranteeing that the full principal (amount originally contributed to the account) will be paid out on the death of the account holder, even if the market value was low at that time.
invest-faq.com /articles/ins-annuities.html   (2767 words)

 Annuity - Annuity - Find Best Resources   (Site not responding. Last check: 2007-10-07)
Annuity website is a free resource site, I hope you can find Annuity resource here.
The explosive growth of variable annuities for retirement savings--assets today total billion, up from virtually nothing a decade ago--hasprompted us to add for the first time this year a list of 10 annuity contracts that havebeen top performers over the past three years.The list was compiled by the Chicago mutual fund investment research firm Morningstar.
Annuities are ranked loosely by the percentage of each contract's subaccounts, or individual investment funds, whosethree-year average annual returns were better than the averages for all annuity subaccounts with the sameinvestment objectives.
annuity.home.sapo.pt   (559 words)

 Annuity - Wikipedia, the free encyclopedia   (Site not responding. Last check: 2007-10-07)
Sometimes annuities are based on investments expected to give a better return, and the risk of these may vary from funds that incorporate some form of protection (for example by purchasing derivatives) through to pure equity funds based on shares alone.
At the riskiest end of the market where the fund is not held in trust, the annuity provider risks going bankrupt and possibly defaulting on the policy, as happened in Japan in the 1990s.
Because of cross-subsidy and the guarantees an annuity can give against running out of income and becoming dependent on state welfare in old age, annuities often have a favourable tax treatment, which may affect how attractive they are relative to other investments.
www.voyager.in /Annuity   (2330 words)

 FAQ - Annuity
The annuity value is backed by the general assets of the insurance company which issues the annuity.
Although an annuity is similar to other safe but taxable alternatives in many respects, an annuity does not mature after the initial interest rate guarantee period.
Although annuity rates are generally higher than savings accounts, CDs or money market rates, the buyer should first compare the value of the "no market risk" feature of the annuity to other alternatives.
www.nhic.com /annuities/faq.html   (1150 words)

Present value of of an ordinary annuity (payments at the end of the periods) with $10,000 payments for two periods at 10% = $17,355.
If you have problems with the annuity due solution, you can reduce the number of periods by one and then add one payment amount because the present value of the first payment is the same as the payment amount.
For example, the present value of an ordinary annuity of one $10,000 payment at 10% is $9,091 plus another payment of $10,000 equals the $19,091 present value of an annuity due for two payments.
www.cord.edu /faculty/bfoss/annuity.htm   (508 words)

 Annuity Report Reveals Shocking Secrets About Your Annuity
I've been in the annuity business for a long time and have helped hundreds of men, women and families choose the right type of annuity for their situation.
I'm a people person who enjoys meeting new folks and assisting them in choosing an annuity that is the right fit for them and their family.
It offers the pros and cons of the types of annuities available to you so that you can decide what is best for you and your family.
www.annuitymd.com   (3529 words)

 Annuity Advisor Advice Pension Annuities and Open Market Annuitys
Having found Annuity Advisor.co.uk by an internet search and made contact I found the service and help provided to be extremely personal and attentive to helping me find the best annuity for my needs.
When I was ready to proceed with my chosen annuity, I simply signed a form authorising Annuity Advisor.co.uk to approach the two pension companies concerned and within a few weeks the values had been transferred into my chosen annuity and hey presto I can now receive my pension, paid directly into my bank account.
Helen Kewney from Annuity Adviser wrote to me on 7 January with the policy document etc. She also asked if I would be prepared to provide a testimonial for the services provided by Annuity Adviser.
www.annuity-advisor.co.uk /testimonials.html   (2516 words)

An annuity is a sequence of payments, usually equal, made at equal intervals of time.
A deferred annuity is when the series of payments starts at some later date.
When payment periods and compounding periods coincide, the annuity is called an ordinary annuity, otherwise it is called a general annuity.
www.paranzasoft.com /help/pages/caAnnuity.html   (288 words)

 annuity on Encyclopedia.com   (Site not responding. Last check: 2007-10-07)
On the cost of adverse selection in individual annuity markets: evidence from Singapore.
Annuity schemes a way to guarantee income for life
Supplement: Enhanced Annuities - Educating retirers about annuities.
www.encyclopedia.com /html/x/x-annuity.asp   (302 words)

 [No title]
With a Select™ Variable Annuity you control where your money should be invested by choosing from a select group of stock, bond, and money market funds, as well as a fixed-rate guaranteed interest fund.
Just check the option on your annuity application and the portion you allocate to the strategy will be automatically invested for a balance of safety and return.
Unlike most other variable annuities in the marketplace, we offer you a choice in contract design, which recognizes your needs and the value you place on investing.
www.nmfn.com /tn/investprods--pg_selectvariableann   (1507 words)

 Annuity FYI - Fixed and Variable Annuities Resource
Annuity Basics can answer your questions, or walk you through a step-by-step tutorials on annuities.
There are over fifteen thousand annuity products on the market, many of which are not worthy of your consideration.Compare those determined by Annuity FYI to be the best annuities on the market, and determine the best specific annuity for your needs.
Variable annuities, and some fixed annuities, are generally considered long term investments, sold by prospectus only, and available from your financial professional.
www.annuityfyi.com   (456 words)

 Annuity   (Site not responding. Last check: 2007-10-07)
By electing the College Annuity Option prior to the first payment date, he would instead receive the income in four or five annual payments to use at his discretion.
A gift annuity is a contract under which Point Loma Nazarene University, in return for a transfer of cash or other property, agrees to pay a fixed sum of money for a period measured by one or two lives.
A major advantage of a gift annuity, whether immediate or deferred, is the payments are fixed from the outset.
www.ptloma.edu /Giving/WillsTrusts/Annuity.htm   (600 words)

The fixed payments are received after a period of investments that are made into the annuity.
An annuity is essentially a level stream of cash flows for a fixed period of time.
It is most often used as a form of income during retirement.
www.investopedia.com /terms/a/annuity.asp   (211 words)

 TSP Annuity Calculator, Introduction 08-05-2004
The Annuity Calculator can help you estimate how much your monthly annuity payments would be if you have the TSP purchase an annuity for you with your account balance after you separate from service.
In using the calculator, keep in mind that an annuity is only one of several TSP withdrawal options available to you after you separate from service.
Before you use the Annuity Calculator, read the booklet TSP Annuities so that you will understand the options and features that are available.
calc.tsp.gov /annuityCalculators/annuity.cfm   (196 words)

An Annuity is a bunch of structured payments or equal payments made regularly, like every month or every week.
Or, similarly, let's say you were injured on the job or whatever and were awarded an annuity of structured payments of $50,000 a year for the next 22 years.
Use an annuity table - The PV of an Annuity.
teachmefinance.com /annuities.html   (466 words)

 Annuity .Net -- Immediate, fixed, and cd type annuity rates and quotes   (Site not responding. Last check: 2007-10-07)
I searched a lot of web sites and found your site to be the most informative of the ones that I researched.
Annuity.net makes it easy to find tax-deferred annuities that expand your options for a secure retirement by beating bank interest rates, preserving principal and paying income for life!
Equity-Indexed - Single-premium traditional annuities that are performance-linked to the SandP 500 Stock Index.
www.annuity.net   (182 words)

 Annuity Rates, Annuities, Annuity Quotes and Fixed Annuities
Annuity Advantage is your independent no-load annuity marketplace on the web.
We provide one stop shopping for all of your annuity rates and annuity quotes needs, as well as the tools and information required to learn about, compare and buy CD-Type Annuities, Fixed Annuities, Equity-Indexed Annuities and Immediate Annuities.
AnnuityAdvantage.com is recognized as a leading authority in the field of annuities.
www.annuityadvantage.com   (210 words)

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