Sentences with phrase «guaranteed annuities offer»

That's where guaranteed annuities offer a good solution for a portion of a retirement fund, he added.

A single - premium multi-year guaranteed annuity offering a choice of 5 year or 7 year guarantee periods and free withdrawal options.

Not exact matches

Variable annuity contracts offer the insurance component of an income guarantee with the possibility of increasing the payout if markets do well.

Annuities offer a measure of protection against market downturns, may provide a guaranteed investment return and grow tax - sheltered until you withdraw the money.

On the other hand, income annuities provide guaranteed income for life, but may not offer as much flexibility or income growth potential.

Fixed index annuities (FIAs) provide the ability to earn interest and create a stream of lifetime income through annuity options or, if offered, a guaranteed lifetime withdrawal benefit (GLWB) rider, while being protected from market loss.

Jim Poolman, IALC's executive director, stated that while the group's litigation is «not disputing that retirement advisors should act in the best interests of their clients,» DOL's rule «will harm millions of hard - working Americans who need the principal protection and lifetime guaranteed income that fixed indexed annuities offer.»

In a few rare cases, an annuity may be justified because it offers guarantees, like living benefits or a death benefit.

The report admits that annuities can be «a valuable product for some consumers in some circumstances, offering guaranteed payouts over time.»

A variable annuity with a lifetime withdrawal benefit typically provides lower guaranteed income but offers more investment accessibility.

Voya previously conducted four «enhanced annuitization» offers, which enabled contract holders to receive additional guaranteed income if they chose to annuitize their variable annuity contracts.

The target - date fund can include annuities that begin payments at retirement or at a later time, offering a way to generate guaranteed retirement income and protect your income stream later in life.

Elite Choice also offers traditional fixed annuity benefits such as guaranteed minimum interest and death benefits, combined with the potential for additional interest linked to the return of an index.

MarketProtector offers the benefits of a traditional fixed annuity, such as guaranteed minimum interest, death benefits, and retirement income options such as IncomeAccelerator, which is an optional income benefit for an additional charge.

Some financial advisors suggest buying longevity insurance, a type of deferred annuity that offers guaranteed income for life, to help supplement retirement savings later in life.

And because they are insurance products, indexed annuities can offer a guaranteed income for your lifetime.

Fixed annuities, unlike variable annuities, offer a guaranteed minimum rate of return.

While returns are not guaranteed, variable annuities offer tax - deferred growth.

However, income annuities (sometimes referred to as «immediate annuities» or «deferred income annuities,» depending on when income payments begin) do offer a predictable guaranteed stream of income that you can't outlive.

Some variable annuities offer certain guarantees *, for an extra fee, to help ensure your investment is more protected from the market's possible downside.

This means the only hope for those who want the guarantees and security only annuities offer is to purchase an annuity IRA from an independent advisor.

Also, variable annuities today typically offer a range of options, features, and guarantees at an additional cost, so you can tailor the contract to help meet your personal needs.

Investors within 10 years of retirement may lean their portfolios toward variable annuities that offer market upside potential until retirement, and then guaranteed income.

Variable Annuities For registered representatives, our variable annuity line lets you offer the flexibility of investment options with protection and income guarantees:

Annuities can offer a variety of options for generating a lifetime of guaranteed income, along with some tax advantages.

Advisors are upset because a couple of big variable annuity carriers — Prudential and Jackson National — are suspending sales of, or deposits into, certain variable annuities, such as those offering guaranteed living benefits.

Variable annuities offer the opportunity to earn more than the guaranteed payment, depending on the performance of the investments.

This information will then be published and made available to consumers via the ABI website, along with other information about the providers, such as whether they are offering guaranteed annuity rates, and whether they refer pension customers to an annuity provider or a panel of annuity providers.

Once simply viewed as a safe way to guarantee a lifetime stream of income, fixed annuities have emerged as a balanced instrument that offers the potential for wealth accumulation.

Long - term care annuities are offered in both simplified issue and guaranteed issue forms.

BonusMAX fixed annuities offer preservation of principal, guaranteed retirement income options, tax - deferred growth and competitive interest rates.

That's why Jackson ® offers fixed annuities with guarantees.

Fixed annuities offer guaranteed interest rates with income options for a certain period or even lifetime.

You may also be offered the choice of buying an annuity, a product sold by life insurance companies that provides guaranteed income for life in exchange for a lump sum.

Fixed Indexed Annuities also offer optional riders to create guaranteed income streams, like those available through income aAnnuities also offer optional riders to create guaranteed income streams, like those available through income annuitiesannuities.

The unique characteristics of an annuity product that can offer significantly higher after - tax guaranteed retirement income for life.

Although there are many different variations, the basic idea is the same: Equity - indexed annuities typically promise some guaranteed rate of return, much like a fixed annuity, but they also offer participation in equity market returns.

While some annuities are designed to do this and only this, others have been created to offer other types of guarantees and investment opportunities.

You'll probably end up with less guaranteed income (or a smaller stash of assets) using this tactic than had your company offered a partial lump sum - and - annuity option.

Thus, in the same way that life insurance companies offer alternatives such as guaranteed universal life insurance, indexed universal life insurance OR variable life insurance, annuity contracts offer similar options.

To do that, you'll want to go through a rigorous retirement - income planning process that starts with thinking seriously about how you'll live in retirement and then moves on to such tasks as making a retirement budget; assessing different strategies for claiming Social Security benefits; considering whether you want more guaranteed income than Social Security alone offers (which is where an annuity might play a role); and, settling on a withdrawal rate that has a reasonable shot at making your savings last as long as you do.

A variable annuity, like ALL other annuities, offer a guaranteed payment of income for the life of the annuitant (who may be different from the contract owner).

The Retirement Gateway ® variable annuity is designed to offer an opportunity to save toward retirement with a diversified selection of investment options managed by well - known names in the fund industry, the ability to turn retirement savings into guaranteed withdrawals, and more.

Choice Income fixed index annuity offers the features of a traditional fixed index annuity along with an available Guaranteed Lifetime Withdrawal Benefit (GLWB).

ForeAccumulation fixed index annuity offers the traditional protection of a fixed index annuity along with an earnings opportunity through an accumulation feature known as a Guaranteed Minimum Accumulation Value (GMAV).7

The Retirement Gateway ® variable annuity is designed to offer you an opportunity to save toward retirement with a diversified selection of investment options managed by leaders in the fund industry, the ability to turn retirement savings into guaranteed withdrawals, and more.

Choice Accumulation fixed index annuity offers the features of a traditional fixed index annuity and also includes a Guaranteed Minimum Accumulation Value (GMAV).

Also, variable annuities today typically offer a range of options, features, and guarantees at an additional cost, so you can tailor the contract to help meet your personal needs.

ForeIncome goes beyond the traditional interest crediting and protection benefits of a basic fixed index annuity, offering the features of a traditional fixed index annuity along with an available income benefit known as Guaranteed Lifetime Withdrawal Benefit (GLWB).

In addition, variable annuities can provide guaranteed income you can't outlive, as well as offer a death benefit to help you provide for your beneficiaries.