Sentences with phrase «life and annuity asset»

Integrity Funding is a specialty finance company that participates in the structure, acquisition and sale of financial instruments in the aviation, life and annuity asset classes.

Not exact matches

She joined the company in 1997 and has held a number of executive positions including CFO of Prudential Annuities, VP of Finance (Individual Life Insurance), and Managing Director & Asset Treasurer, Capital Markets and Corporate Finance.

Americans for Asset Protection is a 501 (c) 4 non-profit organization advocating for consumers» rights to an effectively regulated insurance marketplace for annuities, life insurance and long term care fostering financial independence through guaranteed income.

John W. Homer, president of Oxford Financial Group, suggests that older clients with liquid assets and a desire to reduce estate taxes may want to consider buying a guaranteed income annuity partnered up with a life insurance policy...

Starting at the finish line with an annuity death benefit is to figure out the asset or account that you want this guarantee attached to, and how you want it to contractually grow during your life.

At Global Atlantic, we create life insurance and annuity products that can help you protect your family against financial hardship, help shield your retirement assets from market declines, provide for long - term care, and more.

Assets that pass by contract / beneficiary designation such as retirement assets, annuities, and life insuAssets that pass by contract / beneficiary designation such as retirement assets, annuities, and life insuassets, annuities, and life insurance.

And in a session during which I talked about arriving at the right asset allocation for retirement, I noted that, while immediate annuities are not for everyone, adding one to a retirement income plan can not only provide additional income that will last as long as you live, but also contribute to a more secure and happier retiremeAnd in a session during which I talked about arriving at the right asset allocation for retirement, I noted that, while immediate annuities are not for everyone, adding one to a retirement income plan can not only provide additional income that will last as long as you live, but also contribute to a more secure and happier retiremeand happier retirement.

But if you're confident that you can handle your spending needs with Social Security and draws from your retirement accounts but you want some extra assurance that you'll have sufficient income later in life — or you feel that income guaranteed to kick in in the future will give you more flexibility about your spending early 0n — then devoting a small portion of your assets to a longevity annuity is probably the better way to go.

For example, instead of fleeing stocks altogether or shifting your asset mix more toward bonds and cash, you might also consider putting some, but not all, of your nest egg into an immediate annuity that will provide a guaranteed payout for life.

Variable investments with either life insurance OR an annuity may have its place as a hedge against inflation AS DOES a safe bucket investment as a hedge against inevitable economic downturns and part of a solid asset protection plan.

You should always check your contract before transferring from one annuity to another.You may wish to seek independent legal or financial advice before selling or liquidating any assets and prior to the purchase of any life or annuity products.

I'm guessing that when I retire I'll invest somewhere in the ballpark of 5 % — 20 % of my retirement assets in an annuity — enough to hopefully cover my basic monthly living expenses in retirement that Social Security and any pensions won't cover but no more than that.

Fixed annuities earn a guaranteed † rate of return over the life of the contract, and offer contract owners the predictability of a guaranteed income stream and a way to grow assets without exposure to market volatility.

Assets such as IRAs, life insurance, and annuities generally pass at death to the listed beneficiary.

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.

2The vast majority of the company's managed assets back most of its life, disability income and portfolio income annuity liabilities.

A variable annuity with living benefits leaves you as owner of the account's assets and there may be money left over for your heirs.

But with retirement plans, IRA accounts, annuities, and life insurance policies, you also need to make sure you leave assets to your intended beneficiaries in the way you intended.

And, Americans can avoid the risk of outliving their assets by saving more, working longer, investing wisely, delaying Social Security and buying a life annuity, according the Government Accountability Office (GAAnd, Americans can avoid the risk of outliving their assets by saving more, working longer, investing wisely, delaying Social Security and buying a life annuity, according the Government Accountability Office (GAand buying a life annuity, according the Government Accountability Office (GAO).

Asset allocation is an investment strategy that is used to choose among various asset classes such as stocks, bonds, commodities, foreign currencies, real estate, annuities and life insurance, and high value collectibles including precious meAsset allocation is an investment strategy that is used to choose among various asset classes such as stocks, bonds, commodities, foreign currencies, real estate, annuities and life insurance, and high value collectibles including precious measset classes such as stocks, bonds, commodities, foreign currencies, real estate, annuities and life insurance, and high value collectibles including precious metals.

The significant presence of annuities within the 403 (b) market is further underscored by the 56 % of providers that make annuities available both within and outside of an employer - sponsored plan, and the 51 % of 403 (b) assets held in life insurance company products.

Since both the life annuity and variable annuity would have to be purchased from existing financial assets, the couples» financial flexibility would be reduced compared to using a reverse mortgage.

With a Swiss or Singaporean annuity, some investments in a balanced and globally diversified mutual fund and some liquid assets like bank deposit, you could be assured of a steady stream of income for as long as your live, plus some allowance for emergencies.

In the hybrid market, we provide comparative illustrations using both life and annuity plans so to maximize deposits using an asset based approach.

An annuity, by definition, also refers to a contract, or more specifically a contractual life insurance asset that is created between an individual or business entity AND a life insurance company.

You can also keep your obsolete variable annuity or variable life insurance product, and then use asset allocation modeling techniques to optimize its performance, using only the existing subaccount choices that you're stuck with.

$ 224B in Total Assets, even though we're new, we're one of the largest annuity and life insurance providers in the U.S.

While with Life Partners, he was responsible for implementing the investment strategy for their life insurance and annuity assLife Partners, he was responsible for implementing the investment strategy for their life insurance and annuity asslife insurance and annuity assets.

• These same asset allocation model concepts can also be used with variable annuities, variable life insurance (VUL), 401k / 457 / 403bs, 529 plans, and with just one mutual fund family like we do for American Funds (or using as many fund families as you want).

The Principal International segment offers retirement products and services, annuities, mutual funds, institutional asset management and life insurance accumulation products through operations in Brazil, Chile, China, Hong Kong SAR, India, Indonesia, Malaysia, Mexico, Singapore and Thailand.

But if Social Security and pensions don't generate enough income to cover all or most of your basic living expenses — or if you would just feel more comfortable having some additional guaranteed cash flow — then you might consider devoting a portion of your assets to an annuity.

Annuities vs. Systematic Withdrawals by Mark Warshawsky Don't be put off by the actual title of this study («Government Policy on Distribution Methods for Assets in Individual Accounts for Retirees: Life Income Annuities and Withdrawal Rules» or by its girth (48 pages that includes some heavy - duty number crunching).

Mr. Hafen's practice includes advice regarding sophisticated tax, estate, asset protection, and business planning strategies, including the preparation of documents such as wills, living trusts, durable powers of attorney, healthcare directives, asset protection trusts, irrevocable life insurance trusts, gift programs, grantor retained annuity trusts, education trusts, family limited partnerships and limited liability companies, generation - skipping transfers, charitable giving, charitable remainder trusts, private foundations, property agreements, and prenuptial and postnuptial agreements.

Our experience encompasses a wide range of ERISA claims, including individual life, disability and AD&D benefits, class actions, fiduciary obligations, revenue sharing, retained asset accounts, health plans, stock drop cases, pension funds, severance benefits, plan administration, cost of living adjustments, IRA plans, incentive compensation and annuity contract premiums, among many others.

Founded in 1868, MetLife is a global provider of life insurance, annuities, employee benefits and asset management.

To sum it up, annuities systematically allocates accrued assets, lessens the financial uncertainty of living too long, provides the annuitant an income for life in exchange for a premium wherein a premium is ascertained by sex, age, class of annuity, amount of income and health.

Separate Account A segregated asset account established to receive and invest variable life insurance or variable annuity premiums into selected Investment Divisions.

Sagicor's fixed indexed single premium whole life insurance policy can allow the policyholder to reposition certain low - interest producing assets such as CD's (certificates of deposit), or money markets — and possibly even a fixed annuity — and obtain the opportunity to earn a higher return on the cash value in the policy.

Total assets for the company exceed $ 16 million, with life and annuity reserves of $ 13 billion.

Another field of expertise by the company is asset protection — this is especially significant to residents of states where benefits from life plans and annuities can not be encompassed by bankruptcy declarations and seizure of judicial courts.

Their portfolio sees nearly 90 % stake in fixed maturity investments, and has joined the top 40 companies for life insurance when considering admitted assets, along with a top 5 ranking for annuity sales through banks.

Your financial resources consist of any existing insurance policies, business and personal assets, pensions and annuities, and business income after subtracting your debts for outstanding mortgages, loans, living expenses and personal obligations to families and friends.

ACLI members offer life insurance, annuities, retirement plans, long - term care and disability income insurance, and reinsurance, representing 95 percent of industry assets in the United States.

Whether you're heading for retirement or you're already there, a fixed deferred annuity from New York Life can help you grow and protect your assets.

: An Insurance Puzzle,» Geneva Papers on Risk and Insurance Theory, June 2003; Michael Braun and Alexander Muermann, «The Impact of Regret on the Demand for Insurance,» Journal of Risk and Insurance, December 2004; Peng Chen, Roger G. Ibbotson, Moshe A. Milevsky and Kevin X. Zhu, «Human Capital, Asset Allocation, and Life Insurance,» Financial Analysts Journal, January / February 2006; and Craig McCann and Dengpan Luo, «An Overview of Equity - Indexed Annuities,» Securities Litigation & Consulting Group, February 2006.

Inherited assets, such as traditional IRAs and tax - deferred annuities that bring with them an income tax liability, may benefit from life insurance proceeds.

Like most variable annuities, the New York Life Premier Variable Annuity — FP Series can help grow assets for retirement while managing the effects of taxes, costs, and risks.

Whether you're heading for retirement or you're already there, a fixed deferred annuity from New York Life helps you grow and protect your assets.

The New York Life Elite Variable Annuity differs from many other variable annuity policies in that the Mortality and Expense Risk and Administrative Costs Charge is calculated as a percentage of the Adjusted Premium Payments under the policy (excluding premiums allocated to the Fixed Account), rather than as a percentage of Separate Account assets.