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What Are Some Fixed Indexed Annuity Benefits?

A Fixed Index Annuity provides you with all of the features of a traditional Fixed Annuity, plus interest credits linked to a stock market index. Safety of premium Safe potential of stock market-linked growth Potential to avoid probate Minimum Guaranteed Interest Rate on money in the Fixed Account Interest Credit locked in annually An option for guaranteed lifetime income An...
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How Are the Interest Rates Set for My Fixed Deferred Annuity?

During the accumulation period, your money (less any applicable charges) earns interest at rates that change from time to time.  Usually, what these rates will be is entirely up to the insurance company. Current Interest Rate The current rate is the rate the company decides to credit to your contract at a particular time.  The company will guarantee it will not change for some time period...
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What Are the Different Kinds of Annuities?

This guide explains major differences in different kinds of annuities to help you understand how each might meet your needs. But look at the specific terms of an individual contract you’re considering and the disclosure document you receive. If your annuity is being used to fund or provide benefits under a pension plan, the benefits you get will depend on the terms of the plan. Contact your pensio...
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What is an Annuity?

An annuity is a contract in which an insurance company makes a series of income payments at regular intervals in return for a premium or premiums you have paid. Annuities are most often bought for future retirement income. Only an annuity can pay an income that can be guaranteed to last as long as you live. An annuity is neither a life insurance nor a health insurance policy. It’s not a savings ac...
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