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	<title>Best Insurance Blog and Articles &#187; Annuities</title>
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		<title>Are Fixed Annuities Ever Risky?</title>
		<link>http://bestquoteus.com/bestquotes/finance/annuities/are-fixed-annuities-ever-risky/</link>
		<comments>http://bestquoteus.com/bestquotes/finance/annuities/are-fixed-annuities-ever-risky/#comments</comments>
		<pubDate>Fri, 30 Mar 2012 21:04:24 +0000</pubDate>
		<dc:creator>David</dc:creator>
				<category><![CDATA[Annuities]]></category>
		<category><![CDATA[annuities]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=751</guid>
		<description><![CDATA[Are Fixed Annuity Products Usually Considered Safe? Fixed annuities are sold by life insurance companies, and they are generally considered a safe place to put money.  Even equity indexed annuities have a minimum return that is guaranteed by the contract, even though returns may be better during a market upswing. How Are Annuities Covered? They are, in general, as safe as the insurer they are purchased from. It is always important to do a good job of checking out any insurer and agent you plan to do business with. But in fact, the products are usually even safer than the insurer. Almost all states have a guarantee fund that will kick in to pay bills in case an insurer fails. Life insurance companies do not commonly fail, but the recent government bailout of AIG has made a lot of people nervous. &#160; State Guarantee Funds Do Have Limits However, you should understand something about the maximum amouts that are guaranteed by state guarantee funds. Depending upon the state that you live in, these limits could range from $100,000 TO $500,000. Your own protection varies greatly by state, since most insurance is regulated at the state level. You would be prudent to [...]
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<li><a href='http://bestquoteus.com/bestquotes/finance/annuities/single-premium-immediate-annuity-advantages/' rel='bookmark' title='Single Premium Immediate Annuity Advantages'>Single Premium Immediate Annuity Advantages</a></li>
<li><a href='http://bestquoteus.com/bestquotes/life-insurance/retirement-planning-life-insurance-products-to-consider/' rel='bookmark' title='Retirement Planning Life Insurance Products To Consider'>Retirement Planning Life Insurance Products To Consider</a></li>
</ol>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Single Premium Immediate Annuity Advantages</title>
		<link>http://bestquoteus.com/bestquotes/finance/annuities/single-premium-immediate-annuity-advantages/</link>
		<comments>http://bestquoteus.com/bestquotes/finance/annuities/single-premium-immediate-annuity-advantages/#comments</comments>
		<pubDate>Mon, 09 Jan 2012 17:18:29 +0000</pubDate>
		<dc:creator>FinanceGuy</dc:creator>
				<category><![CDATA[Annuities]]></category>
		<category><![CDATA[annuiies]]></category>
		<category><![CDATA[immediate annuity]]></category>
		<category><![CDATA[single premium annuity]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=721</guid>
		<description><![CDATA[What Are The Disadvantages And Advantages Of Single Premium Immediate Annuities? This website has already discussed some advantages of immediate annuities for retirement savings. However, some time and passed and the economy has changed. I decided it would be worthwhile to re-visit the topic. I also wanted to point out this single premium immediate annuity calculator you can use for free. For this discussion, we are talking about fixed, single premium retirement annuities. Please understand that contracts can differ wildly, and it is up to you to discuss the details with a professional. However, we will narrow down our thoughts to annuities with the following characteristics. Fixed Annuities &#8211; That means we are not discussing variable annuities which are much more risky, though may also have bigger returns in good years. A fixed annuity may have a fixed interest rate (like a bank account), or it may be set to a market index. Fixed annuities that are set to a market index, like the S&#38;P 500, still should have a guaranteed minimum return. Single Premium &#8211; This means you fund the account with one lump sum of money. You may, for example, get a distribution from your workplace when you [...]
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</ol>]]></description>
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		<title>Immediate Annuities for Retirement Planning</title>
		<link>http://bestquoteus.com/bestquotes/finance/annuities/immediate-annuities-for-retirement-planning/</link>
		<comments>http://bestquoteus.com/bestquotes/finance/annuities/immediate-annuities-for-retirement-planning/#comments</comments>
		<pubDate>Fri, 18 Sep 2009 16:30:47 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Annuities]]></category>
		<category><![CDATA[annuity]]></category>
		<category><![CDATA[fixed annuity]]></category>
		<category><![CDATA[immediate annuity]]></category>

		<guid isPermaLink="false">http://bestquoteus.com/bestquotes/?p=185</guid>
		<description><![CDATA[What Are Immediate Annuities? We are discussing something called single premium immediate annuities (SPIA). In return for one large, lump sum payment, the contract will start payout out a regular income right away. Actually, in some cases, that payment can be deferred. As we learn more about annuities, you find there are lots of choices and variables like that. But for now, consider purchasing your fund with one lump sum payout, and then getting regular payouts as income from that investment. (Note: We also published this article: Explain Annuities) A common use of an SPIA is to fund a retirement income from some lump sum payout. This payout may be a retirement distribution from work, or another accumulated investment account. Of course, there are other uses for SPIAs, but retirement income is a very popular example. Advantages of Immediate Annuities In exchange for this payment, an insurer will agree to make regular payments for a specified period of time. Example of this time period could be lifetime, joint survivorship (both spouse&#8217;s lifetimes), or some number of years (i.e. 10). In genereal, this is a binding contract, but owners may have some exceptions built into the contract. For instance, I have [...]
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<li><a href='http://bestquoteus.com/bestquotes/finance/annuities/are-fixed-annuities-ever-risky/' rel='bookmark' title='Are Fixed Annuities Ever Risky?'>Are Fixed Annuities Ever Risky?</a></li>
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</ol>]]></description>
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