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The Handbook Of Variable Income Annuities
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Book Synopsis The Handbook of Variable Income Annuities by : Jeffrey K. Dellinger
Download or read book The Handbook of Variable Income Annuities written by Jeffrey K. Dellinger and published by John Wiley & Sons. This book was released on 2006-08-28 with total page 802 pages. Available in PDF, EPUB and Kindle. Book excerpt: In-depth coverage of variable income annuities With trillions of dollars in retirement savings assets, the tens of millions of Americans on the precipice of retirement need to convert these savings into retirement income. The fact that variable income annuities (VIAs) generate maximum lifetime income with zero probability of outliving it has spurred the need for more information about VIAs. The Handbook of Variable Income Annuities is by far the most comprehensive source of information on this topic. This book thoroughly describes the most important principles of optimal asset liquidation and demystifies VIA mechanics, so readers can gain a high comfort level with this important financial instrument. Interestingly and clearly, The Handbook of Variable Income Annuities explains the mathematical pricing of variable income annuities, expected rates of return, taxation, product distribution, legal aspects, and much more. Jeffrey K. Dellinger (Fort Wayne, IN), a Fellow of the Society of Actuaries and a member of the American Academy of Actuaries, has over 25 years experience in the financial services sector. He advises institutions on retirement income optimization, products, and markets.
Book Synopsis Guide to Understanding Annuities by : Virginia B. Morris
Download or read book Guide to Understanding Annuities written by Virginia B. Morris and published by Lightbulb Press, Inc.. This book was released on 2004 with total page 35 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Annuity Handbook by : Darlene K. Chandler
Download or read book The Annuity Handbook written by Darlene K. Chandler and published by . This book was released on 2005 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Annuity Handbook, 4th Edition has been updated with the latest available information on nonqualified annuities to provide a comprehensive look at the most current information on the markets, compliance issues, taxation, and uses of annuities. What's NEW in the 4th Edition: Product Features: Market value adjustments Guaranteed minimum interest rate index Discussion of owner-driven contracts vs. annuitant contracts Bonus annuities Guaranteed death beneftis in variable annuities Uses of Annuities: Trust ownership of annuities Use of annuity payouts and settlement options for retirement income distribution planning Split annuity sales idea Annuities owned by Medicaid applicants/recipients Expanded discussion of annuities and retirement planning to include retirement income distribution considerations Compliance: New suitability requirements for fixed annuities sold to seniors
Book Synopsis Annuities For Dummies by : Kerry Pechter
Download or read book Annuities For Dummies written by Kerry Pechter and published by John Wiley & Sons. This book was released on 2011-02-09 with total page 373 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why look into annuities? If you’re a Baby Boomer with little or no pension and most of your money in low-interest savings accounts, an annuity may be the key to a secure and comfortable retirement. How can you find out whether an annuity is right for you? Read Annuities For Dummies, 3rd Edition. This completely revised and updated, plain-English guide is packed with the latest information on choosing the best annuity for your retirement needs. You’ll find out exactly what annuities are, whether they’re the right financial vehicle for you, and which of the many annuity options might have your name on it. You’ll learn the ins and outs of using annuities to fund your retirement years, figure out whether to stress investments with insurance or insurance with investments, and find out how the right combination of annuities can help you squeeze more income out of your savings that any other financial tool. Discover how to: Identify the main types of annuities Weigh the pros and cons of annuities for yourself Minimize the complexity and cost of your annuity investment Figure out how much money to commit Avoid common annuity pitfalls Create an income you can’t outlive The time to start securing your financial future is now. Annuities For Dummies, 3rd Edition, gives you knowledge, insider tips, and expert advice you need to make your money do its best for you.
Book Synopsis Annuities Answer Book by : John T. Adney
Download or read book Annuities Answer Book written by John T. Adney and published by Aspen Law & Business. This book was released on 2005 with total page 672 pages. Available in PDF, EPUB and Kindle. Book excerpt: Annuities Answer Book, Fourth Edition is the most comprehensive, up-to-date resource available on both fixed annuities and variable annuities. It has been updated to include Roth IRAs, addressing the federal income tax issues that arise in connection with this new type of retirement product. Thorough analysis is also provided of such issues as the different types of annuities, taxation of annuities, loads, using annuities for individual retirement funding, trust funding or estate funding, and other uses of annuities.The Fourth Edition also provides clear explanations of the regulations governing annuity products such as SEC investment guidelines, ERISA and Department of Labor restrictions, insurance company rules, and key criteria from individual states.Specific topics covered in the Fourth Edition include:Basic annuity structures along with their uses, advantages and disadvantagesRegulations on the sale of annuitiesTax implications of annuitiesERISA qualifications for fixed annuitiesInvestment options and their implications for variable annuitiesFee structures and commissionsTax- sheltered uses of annuitiesAnd more!
Book Synopsis Creating Retirement Income by : Virginia B. Morris
Download or read book Creating Retirement Income written by Virginia B. Morris and published by Lightbulb Press, Inc.. This book was released on 2004 with total page 156 pages. Available in PDF, EPUB and Kindle. Book excerpt: Creating Retirement Income, a Lightbulb Press book, is for anyone thinking about retirement planning and variable annuities. Planning for retirement and creating a nest egg on which to live comfortably is on everyone's mindshy;shy;from people in their twenties to those for whom retirement is just around the corner. Variable annuities provide the answers to millions of investors, yet there's still a mystery that surrounds them. This colorfully illustrated guide simplifies variable annuities and ways to create retirement wealth. Written in collaboration with the National Association of Variable Annuities, this user-friendly, easy-to-read and easy-to-understand guide to will appeal to anyone planning for retirement. Created by the authors of the best-selling Wall Street Journal guides, Creating Retirement Income will show you how to: Plan for a comfortable retirement; Choose among different annuities; Develop a diversified portfolio; Sort out the facts of social security And much more
Book Synopsis The Truth about Variable Annuities by : Crc Fic Cwc J. Marc Ruggerio
Download or read book The Truth about Variable Annuities written by Crc Fic Cwc J. Marc Ruggerio and published by Lulu.com. This book was released on 2011-01-19 with total page 153 pages. Available in PDF, EPUB and Kindle. Book excerpt: The most up to date and authoritative book on the complexities of structuring annuities. The author takes an unbiased point of view and articulates the complexities of all the major aspects of variable annuities and riders to allow them to become more understood by financial advisors and annuity owners alike. He clearly notes the benefits of variable annuities as well as the pitfalls which to look out for! Showing you the strategies that experts utilize within these investments while also detailing significant failures of cases where they were misunderstood and not structured properly. Can be used as a perfect reference guide on specific aspects of variable annuities as well as providing insight into the business of how variable annuities are sold. This is a bold and concise approach that allows the truth to be seen without reservations.
Book Synopsis The Variable Annuity Handbook by : Gary H. Snouffer
Download or read book The Variable Annuity Handbook written by Gary H. Snouffer and published by . This book was released on 2005 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Complete Guide to Investing in Annuities by : Matthew G. Young
Download or read book The Complete Guide to Investing in Annuities written by Matthew G. Young and published by Atlantic Publishing Company. This book was released on 2011 with total page 271 pages. Available in PDF, EPUB and Kindle. Book excerpt: Annuity investment has become an increasingly popular option for many investors each year with the market topping more than $100 billion in sales in recent years. Due to the dual nature of annuities, they can often be misunderstood and many investors looking for high return rates steer clear of them, hoping for the quick return rates that they often associate with higher risk investments. Though, as this book will show you, annuity investment done properly can be an incredibly powerful tool in helping you reach your full financial potential without taking substantial risks. In this book, you will learn exactly what annuities are and how they work. You will be shown all of the common misconceptions about annuities and how you can get past those and decide if annuity investment is right for you. You will learn the primary purpose of an annuity and how they can help diversify your retirement options. You also will learn which risks are immediately associated with annuities in regards to your retirement, including longevity, investment, and planning risks. The specific elements of an annuity are laid out in striking detail, showing you how it works, what the differences are between each major type, and what you can expect from deferring annuities and immediate annuities. The pros and cons of each type and comparisons to other investment options such as CDs, mutual funds and retirement accounts will help you decide how an annuity fits into your portfolio. Interviews with dozens of financial experts have helped us compile a comprehensive guide on everything you can imagine related to annuities. You will learn how a fixed annuity operates and what you can expect from multi-year agreements as opposed to single-year agreements or market value adjusted annuities. Index, variable, and income annuities are also described in full detail in their own chapters along with when they are the best choice and how they ideally fit into your investment strategies. You will learn how to properly structure an annuity and how to optimize your variable investments. You will be shown how to access, get out of, or convert your annuities when things change in your life and what you can expect to pay in taxes on your annuities. Finally, you will be walked through the annuity sales process, including what you should expect from your salesman and ten essential questions you must ask before you sign any paperwork. If you are considering or preparing to purchase an annuity in anticipation of your retirement, this book is a vital tool that you cannot overlook. Atlantic Publishing is a small, independent publishing company based in Ocala, Florida. Founded over twenty years ago in the company presidentâe(tm)s garage, Atlantic Publishing has grown to become a renowned resource for non-fiction books. Today, over 450 titles are in print covering subjects such as small business, healthy living, management, finance, careers, and real estate. Atlantic Publishing prides itself on producing award winning, high-quality manuals that give readers up-to-date, pertinent information, real-world examples, and case studies with expert advice. Every book has resources, contact information, and web sites of the products or companies discussed.
Book Synopsis Variable Annuities by : Tigran Kalberer
Download or read book Variable Annuities written by Tigran Kalberer and published by . This book was released on 2009 with total page 298 pages. Available in PDF, EPUB and Kindle. Book excerpt: Variable Annuities provides an overview of all the relevant aspects of variable annuity (VA) products from an insurers perspective. It is a collection of contributions from several authors, co-ordinated in such a way that it covers all relevant areas with minimal overlap and a consistent level of detail.
Book Synopsis Annuities and Retirement Income Planning by : Patrick J. Collins
Download or read book Annuities and Retirement Income Planning written by Patrick J. Collins and published by CFA Institute Research Foundation. This book was released on 2016-03-16 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt: Annuitization is one asset management strategy for retirees seeking to secure lifetime income. The US annuity marketplace offers a variety of annuity contracts, including single premium annuities, advanced life deferred annuities, variable annuities with lifetime income guarantee riders, and ruin contingent deferred annuities. Advisers seeking to provide guidance to clients in or near retirement can benefit by understanding (1) the arguments both for and against annuitization and (2) how a client’s interests might be best represented in the marketplace. Important annuity contract provisions are highlighted and briefly discussed so the adviser can become more familiar with retirement-planning options.
Book Synopsis TheStreet. com Ratings Consumer Guide to Variable Annuities by : TheStreet.com Ratings, Incorporated
Download or read book TheStreet. com Ratings Consumer Guide to Variable Annuities written by TheStreet.com Ratings, Incorporated and published by . This book was released on 2007 with total page 50 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Variable Annuities written by and published by . This book was released on 2005 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Variable Annuities by : U.S. Securities and Exchange Commission
Download or read book Variable Annuities written by U.S. Securities and Exchange Commission and published by GPO FCIC. This book was released on 2007 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: Explains what they are, how they work, their cost, and questions to ask before you invest.
Book Synopsis The Advisor's Guide to Annuities by : JOHN L. OLSEN
Download or read book The Advisor's Guide to Annuities written by JOHN L. OLSEN and published by . This book was released on 2017-06-09 with total page 350 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written in plain English, the latest updated, revised, and expanded edition of The Advisor's Guide to Annuities covers both the technical details of how various types of annuities operate, as well as the broader questions about how and when they should be used in clients' financial plans. No other resource provides such a deep and independent-minded look at the structure, costs, benefits, and risks that come with all types of annuities. This comprehensive, single-volume guide supplies: - Clear and concise descriptions of every type of annuity - In-depth discussions of the direct and secondary issues surrounding the use of annuities, including income and estate tax consequences as well as concerns for annuity owners and beneficiaries - Detailed explanations of annuity-specific terminology, which empowers advisors and clients to understand exactly how an annuity will function and enables comparison of similar products from different companies - Sound advice from industry-leading authors which helps advisors avoid common mistakes and ensures that the choices offered are truly in the best interests of clients Highlights of the 5th Edition: - Detailed discussion of qualified vs. nonqualified annuities - Exploration of planning opportunities presented by Deferred Income Annuities (DIAs) or "longevity annuities" and QLACs - In-depth discussion about the impact of the DOL Fiduciary Rule on advisors and consumers - Advice and analysis of the impact of partial withdrawals - Updated tax info, including info on QLACs - New material on "managed volatility" indices used in indexed annuities - New ways to use variable annuities as an investment vehicle, including new "fee only" variable annuities that can be sold under the Fiduciary Rule. Written by two of the foremost experts in this field, The Advisor's Guide to Annuities, 5th Edition, is designed specifically to help you make the most of all the opportunities--and avoid complications--in this active and ever-changing area.
Book Synopsis The Sales & Marketing Guide to Variable Annuities by : Gary H. Snouffer
Download or read book The Sales & Marketing Guide to Variable Annuities written by Gary H. Snouffer and published by . This book was released on 1997 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Annuity Handbook by : Darlene K. Chandler
Download or read book The Annuity Handbook written by Darlene K. Chandler and published by National Underwriter Company. This book was released on 1998 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: If your clients frequently ask questions about annuities, you need The Annuity Handbook to find the answers fast. It's the most up-to-date source on annuities; covering equity-indexed annuities, variable annuities and fixed annuities. Find out what an annuity is, how it works, and when its use is appropriate. Answer questions like: Must the owner and the annuitant be the same person? Where do annuities fit in with estate planning? Are annuity contracts owned at death included in the owner's estate? and How are nonqualified annuities used in retirement and charitable planning?
