Sentences with phrase «less than an annuity»

The cost of insurance is typically less than an annuity's M&E charges until the younger person is in their fifties.

Not exact matches

This Winnipeg - based company's smaller variable annuity business means it's had less trouble than its peers.

For example, Stinchcombe said, buying a deferred annuity in your 60s that kicks in at 80 or 85 may use up less capital than holding back savings to cover those later years.

Today less than 1 percent of all employer - sponsored plans offer annuities.

Owners of fixed indexed annuities (FIAs) with guaranteed living income benefit (GLIB) riders are much less likely to surrender their contracts than they were 10 years ago, according to new research based on 3.3 million policyholders.

A market downturn, however, might mean your beneficiaries could receive less than the amount you contributed to the annuity.

These plans have less oversight than 401 (k) s and people are often pushed toward very expensive choices like tax - deferred annuities, variable annuities and indexed annuities — all major screw jobs in my opinion.

As a result, more variable annuities with living benefit features are being purchased by healthier people than by those who are less healthy.

Less than 1 % of surveyed employer - sponsored retirement plans offer an annuity option.

Less than 1 percent of employer - sponsored plans even offer annuities.

For example, in its 2011 IRI Fact Book, the Insured Retirement Institute, Washington, D.C., indicates that roughly one - third of fixed and variable annuity balances are less than $ 20,000, and that three - quarters of both fixed and variable annuity balances are less than the $ 100,000.

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If the cash value is less than the premiums you paid in, the annuity is tax - free until the amount you receive exceeds the amount you paid in.

Purchasing a life insurance annuity is less popular than simply accepting a lump sum, as there's not a huge advantage to choosing such deferred payments when the lump sum is tax - free.

As noted above, annuities generally earn less than simple investing but can be effective to reduce risk.

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.

A younger person, say, a 60 - year - old man who puts $ 1 million into an immediate annuity would receive less than his 65 - year - old counterpart — $ 4,990 vs. $ 5,660 — while a 70 - year - old man would collect more, about $ 6,420 a month.

Some annuities also offer a cash - refund option, which guarantees that if the payments you've received at the time you die are less than the amount you invested, your beneficiary will receive the difference.

Or, since the annuity provides higher payments, you could choose to invest less money in the annuity than in the bond fund and receive the same size monthly payments.

Immediately after you buy an annuity, the cash surrender value is less than the amount paid for it, so this approach would result in a smaller amount of taxable income when you convert the IRA.

For example, states such as Florida and Texas offer asset protection for life insurance and annuities that is more comprehensive than less friendly states like California.

However, these annuities typically also offer returns that are no less than a specified minimum, no matter the index's performance.

Owners of fixed indexed annuities (FIAs) with guaranteed living income benefit (GLIB) riders are much less likely to surrender their contracts than they were 10 years ago, according to new research based on 3.3 million policyholders.

Because variable life subaccounts fluctuate with changes in market conditions, the principal may be worth more or less than the original amount invested when the annuity is surrendered.

(Keep in mind that the longevity annuity's payments are in future dollars, which will buy less than the same dollar amount today.)

This strategy can be especially beneficial to a person who purchased a life insurance policy or annuity contract many years ago that has less favorable contract stipulations than those available today.

Investing in several annuities gradually over the course of several years (or even longer) rather than all at once also makes it less likely that you'll put all your money into an annuity when interest rates (and payouts) are at a low point.

The idea is that you put up less money upfront than you would with an immediate annuity — leaving more of your savings for current spending — and by waiting to collect you receive a hefty payment in the future.

Well, a recent study by David Blanchett, head of retirement research at Morningstar, found that by being flexible about how much you draw each year from your retirement portfolio — say, scaling back withdrawals when the market is faring poorly and spending more when stock prices are surging — you may be able to get by while investing less in an immediate annuity than you otherwise would.

Because variable annuity subaccounts fluctuate with changes in market conditions, the principal may be worth more or less than the original amount invested when the annuity is surrendered.

However, annuities are not as flexible and generally pay less than account - based pensions.

Variable annuity subaccounts fluctuate with changes in market conditions; thus, the principal may be worth more or less than the original amount invested when the annuity is surrendered.

I'm considering an index fixed annuity, I'm 60 years old and have less than $ 125,000 to invest or rollover into something else for my retirement.

And if you end up dying relatively early in retirement, you could receive less in payments than you paid for the annuity.

The new regs allow you to buy a longevity annuity within a 401 (k) or IRA without violating minimum distribution requirements, as long as you begin receiving payments by age 85 and invest no more than $ 125,000 or 25 % of your account value, whichever is less.

According to a recent Insured Retirement Institute (IRI) survey of Americans aged 50 - 66, a majority (53 %) of annuity owners are extremely or very confident that they will have adequate income in retirement, compared to less than a third (31 %) of non-annuity owners who say the same.

So, like CDs, fixed annuities are insured, but remember that insurance companies are less stable than the FDIC.

Commission - based advisers report that 30 % of their revenue is from variable annuities; fee - based advisers derive less than 10 % of revenue from variable annuities.

That may help explain the mystery about why annuities are less popular than you might expect, given their benefits.

The cost of a 10 - year guarantee on a joint annuity purchased at age 70 is less than $ 3 a month on an income of $ 517, according to a recent quote from Cannex.

One is that if you die prematurely, you could end up collecting a lot less income from an annuity than you expect, or even none if you die before you reach the age when your longevity annuity begins making payments.

When a variable annuity is surrendered, the principal may be worth more or less than the original amount invested.

When an annuity is surrendered, the principal may be worth more or less than the original amount invested.

The idea behind the rule creating QLACs is to give people a way to generate retirement income and hedge against the risk of outliving their nest egg while putting up less money than they would have to with an immediate annuity.

That will purchase an annuity that pays less than $ 4,000 a year.

* you have less than five years of civilian service and you do not intend to return to federal employment, a refund may be advantageous because you must have at least five years of creditable service in order to receive an annuity; or

In less than 3 minutes, you'll see instant annuity quotes from top - rated brands on your screen.

Traditional insurance policies and annuities are less volatile than direct market participation by investing in mutual funds, stocks and bonds for these reasons.

With less than two years to go until the full implementation of the Department of Labor (DOL) fiduciary standards rule, annuity carriers are scrambling to create new products to meet those strict pro-customer guidelines.

Due to fluctuating market conditions, at the time of distribution, your annuity value may be more or less than the total of all premium payments.