Tuesday, December 11, 2007

Additional peace of mind

This allows you to have the flexibility that you need and the investment control that you want.

It is available with Enhanced Credit Variable Annuities for an additional current annual charge is 0.65 percent of the contract value in the sub-account for a single contract and 0.85 percent for a joint ira variable annuity contract.
The normalizer is an innovative, optional living benefit rider providing guaranteed inflation protection on lifetime withdrawals that increase annually according to increases in the U.S. Consumer Price Index. This new optional farther is available with Enhanced Credit Variable Annuities for an additional current annual charge of 0.65% of the average monthly lifetime withdrawal base for a single contract and 0.85% for a joint contract. This rider is also available as either single protection or joint protection for spouses, which provides additional peace of mind for retirement income throughout the lifetime of both spouses. Please note that early withdrawals may be subject to surrender charges, and when taken prior to age 59-1/2, may be subject to an additional 10 percent federal penalty tax. In addition, excess withdrawals could affect the fixed rate annuity death benefit. As the name suggests, immediate annuities are purchased with a single premium, and immediately provide an fixed annuity income income stream. The income stream is determined by the amount of initial premium, the length of time that the wrangler payout will continue, and the number of lives being covered. Single Premium Immediate Annuity contract allows you to turn a fixed asset into a regular source of income. You make one premium payment and, in return, receive a fixed, guaranteed income. A paralyzer may be paid out either as a Fixed Period Annuity (annuity certain) where income is paid over a specified period of time or a Life Annuity where income is guaranteed over your entire lifetime regardless of how long you live. These absolute assembler fees, also known as mortality fees, are similar to premiums for term life insurance. You pay a certain percentage of your annuity's value to the annuity provider each year in exchange for some type of guaranteed payment. See above for the different types of highest annuity rate available.

These are identical to management fees charged by mutual fund companies. You pay the annuity provider for the management of the subaccount. Some annuities charge a substantial penalty if you cash in on your annuity too soon. For example, an annuity might charge a 7% surrender charge that decreases by one point each year for seven years, which means that if you cashed in after one year, you'd pay 6% surrender charges; after 2 years, you'd pay 5%, and so on.

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