Deferred annuity rates and deferred annuity quotes from over 40 different annuity insurance companies.
A tax deferred annuity is an insurance contract for people who want to save on a tax deferred basis for many years, and then optionally convert their accumulation value to a monthly payout once they retire. Unlike immediate annuities, a tax deferred annuity does not become payable until a specified number of years after purchase.
A deferred annuity is most appropriate for individuals who want to save for retirement, find an investment that will earn tax-deferred interest for many years to come or are simply looking for a more attractive savings rate than that offered by bank CD's.
A single premium deferred annuity, or SPDA, is an annuity you purchase with a single payment. You get a guaranteed interest rate for a specified period of time, and the taxes on the interest you earn is deferred until you make a withdrawal. A Single Premium Deferred Annuity is ideal for anyone who wants to let their money grow risk-free while deferring income taxes, with the goal of creating income later in life.
Please visit one or more of the following areas of our web site to further research the best deferred annuity rates for your needs.
Under current federal law, a deferred annuity receives special tax treatment. Income tax on annuities is deferred, which means you arenít taxed on the interest your money earns while it stays in the annuity. Tax-deferred accumulation isnít the same as tax-free accumulation. One of the many advantages of tax deferral is that the tax bracket youíre in when you receive annuity income payments may be lower than the one youíre in during the accumulation period. Youíll also be earning interest on the amount you would normally have paid in taxes during the accumulation period. Most statesí tax laws regarding a deferred annuity follow the federal law.
With a deferred annuity, you can deposit as much money as you want. Unlike Individual Retirement Accounts (IRAs), there is no IRS restriction on the amount that can be contributed annually.
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Ļ First year yield/rate reflects fixed rate plus premium bonus or interest rate enhancement.
Interest is based on current rates and subject to change without notice.
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