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The following article was published in our article directory on September 6, 2013.
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Annuity Serves as Your Ally in Your Retirement

Article Category: Advice

Author Name: Jim Lee

There is no doubt that insurance is the best way to ensure security and protection for your loved ones in case something happens to you. It might be overwhelming to think about the different types of life insurance especially since they come in an array of variants today. One type of insurance product that people do not know much about is annuity. This type of financial product can come with guaranteed monthly income depending on the agreement. You do not need to be the head of the family to get interested in annuities. This product is for everyone who wants to ensure that he will continue to enjoy regular income even through his retirement years.

Things That you Need to Know

An annuity is what you call the income you will gather from an investment that you have set up. It is considered as an insurance product with premiums or contributions that are made either in lump sum or in regular installments for a specific period of time. In exchange for these contributions, annuitants are entitled to receive monthly cash pay outs or a lump sum payment at maturity. You can choose the most convenient and most advantageous configuration to assure you that you get the cash benefits at the time you need them most.

Annuities have two phases - the accumulation phase and the repayment phase. The accumulation phase is the time when you are obligated to settle the monthly premiums to accumulate the needed amount to sustain your retirement. The repayment phase takes place when the investment you made should be paid out to you together with the interests as stated in the agreement.

There are annuities paid in lump sum which is only good if you have a more suitable investment to entrust your money in and earn higher income. There are also some people who follow structured settlements wherein they receive their annuities on installment basis within a specified time period as stated on the agreement.

There are cases where a beneficiary is the claimant. It is very important for the payment receiver to fully grasp the importance of the schedule of payment, amount, policies, the agreement, and other significant factors in order to avoid unfavorable situations. It is prudent to secure a copy of the structured settlement when the second phase is about to commence.

In most life insurance policies, the only individual who is entitled to get the monetary benefit is the beneficiary after the policy holder has died with an exception to whole life where the the owner of the policy can withdraw the cash value as stated in the contract. If you have annuity, you get to enjoy the fruits of your hard work during your retirement and continue to earn money even if you are no longer working.

Make a wise decision now and contact a provider who will be able to help you decide on what type of annuity to get and the payment option to take.

Keywords: indexed universal life insurance, tax free retirement income

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