Annuity Resources

This directory of Annuity Resources is intended to offer an overview of annuities and point you in the right direction for more detailed information.

So what are annuities? Do you want to know How Annuities work?

Annuity Definition: An Annuity is a contract between you and an insurance company.  You pay premiums to the company, and the company in turn grows your money Tax- Deferred, and commits to pay you either a lump sum, or a stream of income.

There are two main categories of annuities:

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In terms of timing, there are either Immediate Annuities, or Deferred Annuities. These two choices refer to the timing of the payments from the insurance company to you.

As to the rate of rate of appreciation on the capital you give the insurance company, there are many kinds of annuities, including Fixed Annuities, Variable Annuities, Fixed Index Annuities, and Immediate Annuities.

Sounds simple, right?  Well there are millions of ways to complicate even the most straightforward concept, and annuities are no exception.   We’ll cut to the chase and help you understand the ground rules.  If you determine that an annuity might make sense for you, be sure to become a Member for our essential tools to choosing an annuity.

If you have an annuity already, you should know that there is an active market to buy and sell annuities on the secondary market- you may be able to receive cash today to sell an annuity you have owned for several years.  Also, buying secondary market annuities is an excellent way to find a high yield, safe investment.

We also have sections on annuity riders and living and death benefits- this is where products can get complicated, and expensive.  Be sure to explore the pages of this site once you are a Member too- our tools can really help you to cut to the chase and figure out what is important and what is not.