Sentences with phrase «market value of the annuity»

Thus, the fair market value of the annuity is determined by market interest rates at the time of surrender and may result in either a higher or lower surrender value than what was projected, but never a surrender value that is less than the sum of your contributions.

Not exact matches

While the value of underlying subaccounts of variable annuities fell through the floor like everything else in the market in 2008, the guaranteed income withdrawal rate (not to be confused with the rate of return of the investment portfolio) did not.

They also describe areas of the asset markets that are less correlated with domestic stocks and bonds — Real Estate, TIPS, Stable Value (I would note the over a long period stable value and bonds do equally well), Commodities, International Stocks, and Immediate AnnuiValue (I would note the over a long period stable value and bonds do equally well), Commodities, International Stocks, and Immediate Annuivalue and bonds do equally well), Commodities, International Stocks, and Immediate Annuities.

With Choice Accumulation, you can't experience market - based losses, regardless of market performance.1 This fixed index annuity also includes a Guaranteed Minimum Accumulation Value (GMAV) feature.

In return, the insurance company takes the risk of market downturns to protect your annuity value and also promises to make payments from the annuity to you in a single payment or series of payments, over a fixed number of years.

With ForeAccumulation, you can't experience market - based losses, regardless of market performance.1 This fixed index annuity also includes a Guaranteed Minimum Accumulation Value (GMAV) feature.2

In principle, this pension wealth represents the market value of the associated annuity: it is the size of the 401 (k) that would be required to generate the same stream of payments.

And after the 2008 financial crisis, index annuities were pitched as a way of betting on stock indexes with no risk of loss, a big draw after the U.S. market had lost half its value in a little over a year.

Most annuities have charges associated with withdrawal of funds and may have market value adjustments based on movement in interest rates.

With ForeAccumulation, you can't experience market - based losses, regardless of market performance.1 This fixed index annuity also includes a Guaranteed Minimum Accumulation Value (GMAV) feature.2

Group variable annuities will fluctuate in value and may be affected by market declines, including a possible loss of principal.

Naked option NASD NASDAQ National Association of Securities Dealers National exchanges National Market System National Medallion Signature Guarantee National Securities Clearing Cooperation (NSCC) National securities exchange NAV Negotiable Negotiated market Negotiated underwriting Net Asset Value Net capital Net capital ratio Net interest cost Net investment income Net revenue pledge Net proceeds Net worth New issue Nine - bond rule NMS No - load fund Nominal quote Nominal yield Non-cumulative Nonparticipating preferred stock Nonrecourse loan Non-systematic risk Non-tax-qualified annuity Notice of public offering Notice of sale NYSE NYSE CompositeMarket System National Medallion Signature Guarantee National Securities Clearing Cooperation (NSCC) National securities exchange NAV Negotiable Negotiated market Negotiated underwriting Net Asset Value Net capital Net capital ratio Net interest cost Net investment income Net revenue pledge Net proceeds Net worth New issue Nine - bond rule NMS No - load fund Nominal quote Nominal yield Non-cumulative Nonparticipating preferred stock Nonrecourse loan Non-systematic risk Non-tax-qualified annuity Notice of public offering Notice of sale NYSE NYSE Compositemarket Negotiated underwriting Net Asset Value Net capital Net capital ratio Net interest cost Net investment income Net revenue pledge Net proceeds Net worth New issue Nine - bond rule NMS No - load fund Nominal quote Nominal yield Non-cumulative Nonparticipating preferred stock Nonrecourse loan Non-systematic risk Non-tax-qualified annuity Notice of public offering Notice of sale NYSE NYSE Composite Index

The Focused Growth Annuity is a single - premium, deferred annuity offering a robust set of client - friendly features plus a market - value adjustment feature, which optimizes the growth potential of your client's savings.

Under the terms of our annuity contracts currently being issued, the death of the owner, if different than the annuitant, will cause the accumulated value of the annuity, minus applicable withdrawal charges and Market Value Adjustment, to be paid to the designated beneficvalue of the annuity, minus applicable withdrawal charges and Market Value Adjustment, to be paid to the designated beneficValue Adjustment, to be paid to the designated beneficiary.

Depending on the type of annuity, this is done by guaranteeing a minimum annual return or minimum level of income, regardless of market performance, or by cushioning the account value from a portion of market declines.

And if you were willing to say goodbye to your money entirely (in return for an annuity) then the actual day - to - day value of your portfolio is irrelevent — it doesn't matter what it's mark - to - market value happens to be at 10 am today — it is merely the way you get that monthly income from selling (writing) call options.

At the beginning of the index term that follows the end of the Marketing Value Adjustment (MVA) period, the annuity fund value is assured to reach the guaranteed minimum accumulation value, which is 105 %, 107 % and 110 % of original premium (net of withdrawals and applicable surrender charges) for the ISA 5, ISA 7 and ISA 10 respectiValue Adjustment (MVA) period, the annuity fund value is assured to reach the guaranteed minimum accumulation value, which is 105 %, 107 % and 110 % of original premium (net of withdrawals and applicable surrender charges) for the ISA 5, ISA 7 and ISA 10 respectivalue is assured to reach the guaranteed minimum accumulation value, which is 105 %, 107 % and 110 % of original premium (net of withdrawals and applicable surrender charges) for the ISA 5, ISA 7 and ISA 10 respectivalue, which is 105 %, 107 % and 110 % of original premium (net of withdrawals and applicable surrender charges) for the ISA 5, ISA 7 and ISA 10 respectively.

The different timing of the lump - sum (beginning for annuity and end for life insurance) is accounted for by the basic time - value - of - money equation using the market interest rate for Treasury debt.

Amounts invested in an annuity's portfolios are subject to fluctuation in value and market risk, including loss of principal.

They also describe areas of the asset markets that are less correlated with domestic stocks and bonds — Real Estate, TIPS, Stable Value (I would note the over a long period stable value and bonds do equally well), Commodities, International Stocks, and Immediate AnnuiValue (I would note the over a long period stable value and bonds do equally well), Commodities, International Stocks, and Immediate Annuivalue and bonds do equally well), Commodities, International Stocks, and Immediate Annuities.

Upfront bonuses can help recoup investment losses helping to ease the pain of exchanging a variable annuity that's lost value in the stock market.

Double digit under performance, compounding high fees, and market corrections can cause a variable annuity owner to lose a major amount of the annuities cash value.

So to summarize, in my opinion variable annuities could have fees in access of 4 percent, your principal is not guaranteed and if the market drops your account value will most likely drop with it.

In return, the insurance company takes the risk of market downturns to protect your annuity value and also promises to make payments from the annuity to you in a single payment or series of payments, over a fixed number of years.

Variable annuity contract values will fluctuate and are subject to market risk including the possible loss of principal.

These fees are based on the daily net asset value of the annuity's underlying investment portfolios, which can change every day as the market shifts.

According to the complaint, MassMutual markets a number of stable value funds, or SVAs, to retirement plans, each of which utilizes group annuity contracts issued by MassMutual.

Variable means the value of the units (shares) inside the annuity «varies» daily with the markets.

Amounts in a variable annuity's investment portfolios are subject to fluctuation in value and market risk including loss of principal.

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.

Also keep in mind that once you annuitize the annuity (trade the market value, AKA accumulation units, in for an income stream, AKA annuity units), then you are totally 100 % stuck with this for life with zero hope of ever getting anything out of the insurance company but your little paltry yield, which most of the time DOES NOT EVEN INCREASE WITH COST OF LIVING INFLATIOof ever getting anything out of the insurance company but your little paltry yield, which most of the time DOES NOT EVEN INCREASE WITH COST OF LIVING INFLATIOof the insurance company but your little paltry yield, which most of the time DOES NOT EVEN INCREASE WITH COST OF LIVING INFLATIOof the time DOES NOT EVEN INCREASE WITH COST OF LIVING INFLATIOOF LIVING INFLATION!

This could be less than half of what you expected if you annuitize an annuity (trade the market value for a stream of guaranteed lifetime income).

Variable annuities are subject to fluctuation in value and market risk, including loss of principal.

We provide a full range of legal and regulatory services to insurance companies, broker - dealers and service providers relating to the design, marketing, and sale of variable insurance products, individual and group annuities, fixed indexed annuities, market - value - adjustment products, synthetic annuities, BOLI, funding agreements, stable value wrap contracts, and other innovative products.

This guarantees that, should the investor die during the accumulation phase of the variable annuity, the account owner's beneficiary will receive at least the amount of the investor's contributions minus withdrawals or the current market value of the account.

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.

Guarantees and protections offered by fixed and market value adjusted annuities are subject to the claims paying ability of the issuing insurance company.

Under the terms of our annuity contracts currently being issued, the death of the owner, if different than the annuitant, will cause the accumulated value of the annuity, minus applicable withdrawal charges and Market Value Adjustment, to be paid to the designated beneficvalue of the annuity, minus applicable withdrawal charges and Market Value Adjustment, to be paid to the designated beneficValue Adjustment, to be paid to the designated beneficiary.

The heirs of the annuity are offered with a minimum of the principal payment, aside from the possible interest if the value of the annuity gets down as the market declines.

Accumulation Unit Value As a part of an insurance product such as an annuity, the accumulation unit value is used in order to perform the investments in the maValue As a part of an insurance product such as an annuity, the accumulation unit value is used in order to perform the investments in the mavalue is used in order to perform the investments in the market.

By adjusting for interest rate changes, market - value - adjusted annuities grant you the flexibility to 1) leave your money in place after the initial term of your annuity has completed, or 2) withdraw it prior to the initial term of your annuity.