Fixed Annuities
Fixed annuities - compare hundreds of fixed annuities, equity indexed
and immediate annuities from over 40
different fixed annuities insurance companies.
Fixed annuities, also referred to as tax-deferred fixed annuities, are contracts between you and an insurance company for
a guaranteed interest bearing policy that includes optional guaranteed income
choices. The insurance company credits interest on fixed annuities, but you don't pay taxes on the earnings until you make a withdrawal or begin receiving an income from your fixed annuities.
Fixed annuities earn competitive returns that are very safe. Because fixed
annuities are tax-deferred, you earn additional interest compounding on the
money you'd normally be paying in taxes.
There are numerous advantages of fixed annuities, some of the
most important are:
1) Tax-deferred interest accumulation: The interest earned on
fixed annuities is not subject to current taxation until
it is withdrawn from the Contract. This allows for a potentially greater cash buildup than if income taxes were payable on accumulating interest as earned.
2) Competitive current interest rate: Current interest rates on fixed annuities
are generally competitive with those from other fixed-interest vehicles, and are
typically better than what can be obtained by investing in a comparable Bank CD.
3) Safety/guarantees: The value of your fixed annuities are fully backed by the assets
of the issuing insurance company. And all fixed annuities are secondarily
covered by your states Insurance Guarantee
Fund. In addition, fixed annuities offer a minimum interest rate guarantee.
Please visit one or more of the following areas of our web
site to further research the best fixed annuities for your needs.
CD-Type Fixed Annuities
Adjustable Rate Fixed
Annuities
Equity Indexed Fixed
Annuities
"Top 10" and
"Featured" Fixed Annuities
Other things you should look for when comparing fixed
annuities:
Avoid fixed annuities that charge front-end contract fees and sales loads, or excessive annual maintenance fees or charges. They reduce the amount of money that actually goes to work for you.
Also, the length of the surrender charge period may be an important
consideration for you, although fixed annuities should be considered a long-term retirement
savings vehicle. Some
companies will waive the surrender charges in the event of premature death or annuitization.
What's the difference between qualified and nonqualified fixed annuities?
Qualified fixed annuities are used to fund a tax-qualified retirement plan such as a traditional IRA. In most cases, premiums paid to
qualified fixed annuities are tax-deductible. Nonqualified fixed annuities are used to fund a cash accumulation program which does not qualify for a front-end tax deduction. But whether
your fixed annuities are qualified or nonqualified, the premiums always accumulate interest that is free of current income tax until
withdrawn.
Our fixed annuities service is always FREE and you will never
incur any type of sales charge or load fee. If you prefer the assistance of a
live fixed annuity specialist, you can always call our Fixed Annuities
Information Center toll-free at 1-800-239-0356.
Buying fixed annuities has never been easier.
AnnuityAdvantage.com, your complete one-stop fixed annuities shopping service.
¹ 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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