What is an Annuity?
In its simplest definition, an annuity is an amount payable annually. For our purposes, however,
an annuity describes a contract offered by an insurance company that allows you to accumulate
funds for retirement on a tax-deferred basis. Upon retirement, you’ll receive income from the
annuity that can be guaranteed by the insurer to last either a fixed number of years, or as long
as you live.
An annuity is neither life insurance nor a health insurance policy, and it’s not a savings account
or a bank Certificate of Deposit. Your value in an annuity contract equals the premium
payments you pay in, plus interest credited, less any applicable charges. The insurance
company uses this value to calculate the amount of the benefits you’ll receive from them when
you begin taking distributions.
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Benefits of Annuities
Beneficiary Protection:
While annuities can provide the satisfaction of knowing that you will have income for the remainder of your life, the death benefit provided by variable annuities provides protection to your beneficiaries. If you die before receiving income from your annuity, the death benefit will provide your beneficiary with the guaranteed benefit. The amount of the death benefit will vary depending on the type of annuity you purchased. Also, by simply naming your beneficiary, the assets of your annuity can be transferred directly and immediately to your beneficiary, bypassing probate.
Tax-Deferred Compounding:
Earnings from an annuity grow tax deferred, meaning that any income taxes that would have
been paid on interest, dividends or capital gains are deferred until you make a withdrawal from
your account. Therefore, money invested in an annuity may grow faster than in a taxable
investment with a similar rate of return, since the money that would have been used to pay
taxes remains invested in the annuity. Also, if you wait until retirement to make withdrawals,
you may be in a lower income tax bracket since you are no longer working.
Unlimited Contributions:
Non-qualified annuities offer an advantage over other tax-favored retirement plans such as
401(k)s, IRAs, SEPs and Keoghs, in that there is no limit to the amount that can be invested for
tax-deferred growth (subject to insurance company maximums).
Tax-Free Transfers:
Variable annuities allow for moving money among the annuity’s investment options without
incurring a current income tax liability.
No Forced Distributions:
Unlike many retirement plans that require distributions of funds by age 70½ , non-qualified
annuities allow you to defer withdrawals until age 90, or longer in some cases. Annuities funded
with qualified assets will still be subject to the terms of the qualified plan.
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Types of Annuities
While annuities might seem complex at first, by breaking them into the following components they become easier to understand.
- How money is paid into the annuity contract
- How money is withdrawn
- How the funds are invested
There are two broad classes of annuities: “Deferred” annuities and “Immediate” annuities. Each
class has numerous sub-classes.
Deferred Annuities
A deferred annuity is most appropriate for people who want to:
- Save for future retirement
- Not touch the principal and interest until age 59½ or older
- Find an investment that will earn tax-deferred interest for many years
- Save more than the maximum annual contribution of their IRA or 401(k)
With a deferred annuity you pay a premium to the insurance company which issues a contract
promising to pay interest made on the premium while deferring the income and the taxes until
you actually withdraw the money or begin receiving an income.
There are three major types of deferred annuities:
- Fixed Deferred annuities
- Equity-Indexed annuities
- Variable Annuities
Fixed Deferred Annuity
A fixed deferred annuity pays a guaranteed “fixed” interest rate (based on the current market
rates of interest) where the earnings compound and grow tax-deferred. Fixed annuities offer
safety of your principal from typical day-to-day market fluctuations in the stock, bond or other
investment markets. However, since this rate of return is fixed, it is important to consider the
impact of inflation on your investment.
You will also want to consider the financial strength of the annuity-issuing insurance company,
since the return of principal and interest is guaranteed by them. Several independent financial
analysis companies such as A.M. Best and Standard & Poor’s rate the strength of such
insurance companies for you.
Equity-indexed Annuity
An equity-indexed annuity differs from a fixed deferred annuity in that the rate of return on your investment is based upon the better of either a) the growth of a named stock market index, such as the Dow Jones Industrial Average, or b) a minimum guaranteed interest rate.
Many equity-indexed annuities offer you a portion (not a full 100%) of the index gains. Still, this type of annuity does allow for potentially higher returns than a typical fixed annuity, since you can participate in a rising stock market, yet be protected on the downside by the minimum guaranteed rate of return.
Variable Annuity
A variable annuity allows the flexibility to invest your funds in a wide range of investment options
through “sub-accounts.” Sub-accounts are somewhat similar in design to mutual funds, and allow for investing in stocks, bonds, money markets – even guaranteed fixed rate instruments.
The ability to choose, and change, investment options provides you the advantage of participating fully in any market gains (not fractionally), thus potentially providing even higher returns than equityindexed annuities. However, unlike equity-indexed annuities, many variable annuities offer no guaranteed rate of return. Therefore, the value of the variable annuity and its sub-accounts will fluctuate day-to-day, based on the performance of the underlying investments you choose.
Such an annuity may be better suited for those investors with a longer term time horizon, who can afford these day-to-day market gyrations. As with a fixed annuity, any gains in the variable annuity credited to the account are tax-deferred until the funds are withdrawn. Unlike a fixed deferred annuity, your funds are not guaranteed by the insurer against market fluctuations, including risk of principal. A key benefit of variable annuities is the ability to transfer assets among the various investment options, as necessary, in response to market conditions or your changing investment goals without incurring current taxes on any capital gains and/or income.
Immediate Annuity
An immediate annuity is most appropriate for people who want to:
- Retire in the very near future, or are already retired
- Begin drawing an income from a lump sum of money that they currently have
- Receive an immediate and predictable payout for life (based on life expectancy)
The immediate annuity allows you to deposit a lump sum and begin receiving regular payments
normally within one year after the deposit. It is usually funded with a single premium, and purchased by retirees with funds they have accumulated for retirement. These annuities can provide a predictable stream of payments that will continue for a time period you choose (including for life).
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About us
Welcome to WhyAnnuity.com.
WhyAnnuity.com is one of
the numerous products and services that are owned and operated by
LeadCreations.com, LLC. (http://www.leadcreations.com)
LeadCreations.com
is a leader in performance-based marketing for interactive advertisers and publishers.
LeadCreations.com is a leader in the field of interactive services linking discriminating consumers with quality insurance services nationwide.
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PRIVACY STATEMENT
Updated 06/10/2008
WhyAnnuity.com provides various online and offline marketing campaigns to consumers and hosts a web site http://www.WhyAnnuity.com . Through these vehicles, we serve as a conduit
through which special offers are made available to consumers by our marketing partners, advertisers, and other third parties.
Please note that because our role is limited to ensuring that our marketing partners, advertisers, and other third parties
reach their targeted audience, we cannot be held responsible for these offers, including, but not limited to, the availability
of product inventory, the time necessary to fulfill special offers, or any other circumstance related to the special offers
that we send to consumers. For questions about any aspect of these offers, please contact the provider of the relevant offer.
WhyAnnuity.com respects Internet users' concern about the privacy of their personal information. Therefore, we have
created this Privacy Policy in order to explain our practices with respect to the collection, use, and disclosure of personal
and non-personal information provided by recipients of our marketing messages, visitors to our Web site, and our marketing
partners, advertisers, and other third parties.
By participating in marketing campaigns presented by WhyAnnuity.com or visiting our Web site, you agree, without limitation,
to the practices described in this Privacy Policy and also accept, without limitation or qualification, all terms and conditions
concerning these campaigns and Web site. We may at any time revise these terms and conditions. You are bound by any such revisions
and should therefore periodically visit them to review the then-current terms and conditions to which you are bound.
Collection of Information
In general, we may collect personal information from recipients of our marketing campaigns and visitors to our Web site when they
voluntarily provide it to us by (1) completing our registration form or a survey, (2) registering for a contest or sweepstakes, (3)
electing to use one of our services, or (4) contacting us (including our webmaster, customer service representatives, or other
employees) by email. We may also collect information about consumers to whom we direct our marketing campaigns from our marketing
partners, advertisers, and other third parties. As part of these activities, we may ask individuals to provide us with information
including, but not limited to, name, physical address, email address, telephone number, birth date, gender, username, password,
social security number, other unique identifiers (such as member ID number), financial information (such as credit card number,
credit card expiration date, purchase history and other purchase data), areas of interest, categories of offers and specific offers
that they may be interested in receiving, and demographic information (such as income level).
As part of the standard operation of our Web site and the web pages that you access via hyperlinks in our online marketing campaigns ("Other Web Pages"), we may collect certain non-personal information from visitors including, but not limited to, their browser type (e.g., Netscape or Internet Explorer), operating system (e.g., Windows or Macintosh), IP address, and the domain name from which they accessed the site (e.g., lycos.com). In addition, we may collect information about visitors' browsing behavior, such as the date and time they visit our Web site or Other Web Pages, the areas or pages of our Web site and Other Web Pages that they visit, the amount of time spent viewing our Web site and Other Web Pages, the number of times the visitor returns to our Web site and Other Web Pages, and other click-stream data. We may use cookies (small text files that are stored on the hard drives of visitors computers when they access our Web site) to collect this information, which may be combined with visitors' personal information. We may also use cookies for other purposes, including, but not limited to, retrieving information previously provided by recipients of our marketing campaigns and visitors to our Web site and remembering the passwords of visitors' to our Web Site and Other Web pages. We may also allow unaffiliated third parties, such as advertisers, to serve cookies to visitors of our Web site and these cookies may collect consumers' personal information. Visitors to our Web site are always free to decline cookies, but in doing so they may not be able to use certain features on our Web site. The "help" segment of the toolbar on most browsers explains how to configure a browser to not accept new cookies, how to have the browser inform a user when they receive a new cookie, and how to erase cookies from their hard drives. We may use web beacons or other tools to collect the above-described non-personal information, which may be combined with other personal information that we collect. We may also use web beacons and other tools to track information about visitors to our Web site and Other Web Pages after they leave these locations. Web beacons may also be used for purposes such as accessing cookies, counting page visits, and otherwise facilitating visitors' online experience.
Use of Information
We may use information collected from recipients of our marketing campaigns, visitors to our Web site, and our marketing partners, advertisers, and other third parties for any of the following purposes in either the online or offline arena: (1) to provide individuals with targeted offers based on their specific requests or their stated preference to receive certain categories of offers; (2) to send individuals information and promotional materials from our company as well as from our marketing partners, advertisers, and other third parties, (3) to deliver targeted display advertisements and offers through online marketing communications, such as emails, banner advertisements, and pop-up advertisements (by matching criteria provided by our advertisers with information collected from our visitors); (4) to enable our marketing partners, advertisers, and other third parties to communicate with individuals; (5) to administer contests and sweepstakes offered on our Web site, Other Web Pages, or on our partners' Web sites; (6) to contact visitors to our Web site or registered members of our marketing campaigns when necessary; (7) to help address problems with our Web site or marketing services; (8) to administer our Web site; (9) to conduct internal reviews of our Web site (e.g., to determine the number of visitors to specific pages within the site); (10) to help us better understand recipients of our marketing campaigns and visitors' use of our Web site; and (11) to protect the security or integrity of our Web site and Other Web Pages that are accessible through our online marketing campaigns. Non-personal information will be used for these purposes as well as for conducting internal reviews and monitoring of our Web site and Other Web Pages that are accessible through our online marketing campaigns and providing a greater online experience for our visitors.
Disclosure of Information
We may transfer or otherwise disclose information collected from recipients of our marketing campaigns, visitors to our Web site, and our marketing partners, advertisers, and other third parties to our employees and independent contractors, to our subsidiaries and affiliates, and to our consultants, other business associates, and suppliers, if the disclosure will enable that party to perform a business, professional, or technical support function for us. Disclosure of information may also be necessary to respond to judicial process, to provide information to law enforcement agencies, or to facilitate investigation of matters of public safety, as permitted by law.
We may also disclose information we collect from recipients of our marketing campaigns, visitors to our Web site, and our marketing partners, advertisers, and other third parties to other marketing partners, advertisers, and third parties who may use the information in connection with their business operations, such as to send targeted offers, marketing materials, and other communications to them. In addition, we may share, rent, sell, or transfer any of the personal information provided by you or from our marketing partners, advertisers, or other third parties. We are not responsible for the practices of our marketing partners, advertisers, or other third parties.
Security
We have implemented certain physical, electronic, and managerial procedures to safeguard and secure the information we collect from recipients of our marketing campaigns, from visitors to our Web site, and from our marketing partners, advertisers, and other third parties.
Visitors should consider any electronic communication that they transmit to us (such as data, questions or answers, comments, suggestions, or other communications) to be non-confidential. We will not be liable or responsible if information that belongs to an individual is intercepted and used by an unintended recipient, or is otherwise accessed and used without our written permission. By participating in our marketing campaigns or visiting our Web site, you assume this risk.
Opt-Out Policy
We offer visitors to our Web site and recipients of our marketing campaigns the opportunity to opt-out of receiving communications from us and to opt-in and opt-out of receiving communications from our marketing partners, advertisers, and other third parties. If you have subscribed to our service and wish to stop receiving any future communications from us, please email us at support@leadcreations.com. These unsubscribe options are also included in email communications that you receive from us (whether sent on our own behalf or on behalf of third parties) Please note that if you wish to stop receiving communications from any of our marketing partners, advertisers, or other third parties you must communicate with these entities directly. We are unable to process unsubscribe requests for any of our marketing partners, advertisers, or other third parties.
We take all reasonable measures to ensure that your unsubscribe requests are fulfilled in a timely manner. However, despite these precautions, there is always the chance that after you unsubscribe you may receive additional communications from us that may have resulted from an inadvertent technical or other processing error. If this happens, please notify us of those communications by writing to support@leadcreations.comand we will take immediate steps to rectify the situation.
Children
Our online marketing campaigns and Web site are not directed to, nor do we knowingly collect any personal information from, children under 13.
Third Party Web Sites
Our Web site and Other Web Pages that are accessible through our online marketing campaigns may contain links to other third party web sites (such as those of our advertisers), which may have privacy policies that differ from our own. We are not responsible for the activities and practices that take place on these web sites. Accordingly, we recommend that you review the privacy policy posted on any web site that you may access through our Web site.
Unforeseen Circumstances
In the event that WhyAnnuity.com or any of its assets are acquired by a third party, personal information acquired by us may be one of the assets transferred.
Changes To This Privacy Policy
There may be times when we need to amend, modify, remove, or change various aspects of this Privacy Policy, and we reserve the right to do so at our discretion. We recommend that you revisit this Privacy Policy periodically to ensure that you are aware of our current privacy practices. You can be assured that any changes that we make will not be applied retroactively and that we will not materially change how we handle previously collected information without your consent. Your continued use of our services following any changes signifies your acceptance of these changes.
I further agree to the below statement:
Even if I am on a National or State DO NOT CALL List, by requesting information and contact as offered on this inquiry form and submitting my contact information which may include my telephone number, you or your assignee are authorized to contact me by telephone at that number regarding the LeadCreations Opportunity for the three (3) month period following date of this consent.
Special Notification for California Residents:
Individual customers who reside in California and have provided their personal information may request information regarding disclosures of this information to third parties for direct marketing purposes. Such requests must be submitted to us at the following mailing address: CA Privacy Request, ATTN: LeadCreations.com, LLC 201 Alhambra Circle #501 Coral Gables, FL 33134. This request may be made no more than once per calendar year. We reserve our right not to respond to requests submitted other than to the address specified in this paragraph.
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TERMS AND CONDITIONS
IMPORTANT: Legal Terms and Conditions Page
Welcome to WhyAnnuity.com a LeadCreations.com (the “Company")
Web Site (the “Site”)! Your access to and use
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WhyAnnuity.com PRIVACY
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