WHAT ANNUITY-RELATED ARTICLES ARE ABOUT!
Annuity Articles address issues related to types of annuities - fixed, indexed, and variable - both deferred and immediate. They explain how they work, some of their tax-advantages, and some of their beneficiary aspects. They also deal with annuities to protect against longevity (living longer than you expected.  Find out if you should consider using an annuity to save for retirement or as part of your retirement income distributions

ANNUITY-RELATED ARTICLES BELOW

How to Handle Inflation with a Fixed Annuity
If you worry about how to juggle your investments and withdrawal rates to preserve your retirement income, you may be better off just buying an annuity contract. It’ll pay you a fixed payout for the rest of your life. But inflation is the bane of fixe payout investments. Here are some considerations for handling both an annuity and inflation to keep your purchasing power more or less constant...read more

Retirees Can Use Fixed Term SPIAs to Keep in Control of Their Money
Today’s retirees often don’t have a company pension. Their only steady source of income is their Social Security benefits (SSB). But often that’s not enough and they want to count on an income that’ll cover their living expenses. If they’ve acquired a decent amount of savings they can use an annuity to assure them an adequate income without losing control of their money. Here’s how...read more

Use a Reversionary Annuity to Provide for Your Surviving Spouse
If your income doesn’t make adequate provision for your spouse if she survives you, you might consider a reversionary annuity to make a better income provision for her. This article explains when and how a reversionary annuity can be effective...read more

What are the Tax Consequences to the Beneficiary of My Annuity
Retirees especially like annuities because annuities can assure them an income for life. But some retirees will die before beginning their annuity or receiving all their guaranteed annuity benefits. Their beneficiaries will then receive those benefits. This article explains how those beneficiaries are taxed on those benefits...read more

Strategies for Retirees to Create Their Retirement Income and a Legacy
About-to-be retirees wonder how they can arrange a retirement income for themselves yet still maintain a legacy for their kids. Here are a few strategies to consider based on their pre-retirement income and savings. Use them to fashion your own approach...read more

Advantages and Disadvantages of Fixed, life Annuities for Retirement
A fixed, life annuity will pay you a fixed income for as long as you live. This is a very attractive feature of a retirement investment. Many soon-to-be retirees give life annuities serious considerations.  But all investments have both good and bad points, and fixed annuities are no exception. This article overviews some of their advantages and disadvantages...read more

Do a Tax-free 1035 Exchange of Your Old Annuity for a New One
If you have an old deferred annuity but feel that a new deferred annuity will serve you better, you can exchange the old one for the new one tax free. But you better consider if you’re really better off doing so...Read more

You Can Ladder Annuity Payouts Different Ways.  Here are Two
A beginning retiree statistically has about 25 years of retirement. In fact, some retirees fear they might outlive their retirement assets. Longevity risk and having to weather fluctuating markets make laddering annuities an attractive retirement approach to assure yourself an income for life...read more

A Way to Ladder Annuities for More Income than CDs
Retirees who want to count on a reliable income may be better off using annuities than CDs. The advantage of using annuities over a CD is that a deferred annuity grows tax-deferred, and immediate annuity payouts are only partially taxed. All a CD’s income is taxed as earned. Here’s a way to take advantage of this tax break to give you more income throughout your retirement years...read more

How Are Annuities Categorized?
Annuities may seem confusing. That’s due to all the options and fees some carry. This article explains the three ways all annuities are categorized to get you oriented...read more

Know the Benefits and Disbenefits of Annuities

You choose an annuity, like any investment, to achieve a goal. Knowing the benefits and disbenefits of an annuity is important to devising your strategy. This article outlines some of each...read more

A Guarantee of Lifetime Payments Is Itself a Return of an Annuity
You measure an investment by its risk and return. Generally, the less the risk, the less return you should expect.  Unlike other investments, a life annuity offers you a unique opportunity of an almost riskless investment with a possibly high return. This article shows you how to view the return that an immediate life annuity can give you...read more

An Immediate Life Annuity Returns Assurance and Potential Earnings
An immediate life annuity can be a good investment against outliving your money – a very real issue for retirees. That’s because it offers two returns – assurance of an income for the remainder of your life, and the possibility of earnings higher than you could get elsewhere if you live long enough. This article shows you how to figure your possible earnings aside from the assurance of never running out of money...read more

Payout Options and Penalties for Annuities
Fixed deferred annuities are life insurance contracts that guarantee a specific (fixed) interests rate. They also guarantee a return of your principal. And, you get tax -deferred growth of your money until you withdraw it. The same is true for variable deferred annuities...read more

How Qualified and Nonqualified Fixed Annuities Differ 

An annuity is an investment contract. Annuities have an  accumulation phase and annuitization phase. But what's the difference between a 'qualified' and 'nonqualified' annuity? ...read more

Annuities Help Retirees Secure An Income for Later in Retirement
One aspect to living is that we never know when we’ll die. Having saved money for their retirement income, retirees often worry that they’ll outlive their savings since life expectancies are increasing.  An annuity is an investment that is uniquely addressed to providing income for life. This article shows how you can use an annuity to assure yourself a future income if you live longer than you planned...read more

Income Taxation of Annuities, When and On What?

An annuity is both a contract with an insurance company and an investment. Your contributions (often called premium payments) to it are invested to produce earnings. This article explains when and what is taxed as income under annuitization, withdrawals, and gifts of your annuity...read more

Medicaid Planning With an Annuity
Medicaid planning refers to arranging or transferring your assets to prevent or to minimize their use by Medicaid if pay for your long term care. This article explains how you can shelter some of your assets with an annuity while you or your spouse has Medicaid pay for your long term care costs...read more

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