Annuities

Some say that annuities are classic insurance policies. Some others insist that this is the pure investment product. As usual, the truth lies between and in my opinion, annuities incorporate both the insurance and the investment based parts of agreement.
In fact, annuities are an interesting alternative to existing traditional investment products. Annuity is an insurance-based contract with option for lifetime income. With tax-deferred accumulation, you will receive competitive rate of return on accumulated capital.
Basically, there are two main types of annuities: Deffered Annuity and Immediate Annuity.
The most popular are so-called advanced life deferred annuities (shortly saying ALDAs), which can help you solve retirement planning problem by acting as a kind of insurance mechanism against long life. Some financial advisers call this type of contract as longevity insurance.
Deffered annuity is known for its accumulation phase when you pay premiums to insurance company on the regular basis. When you reach agreed age, payout phase is in charge and you will receive regular income, so needed in the older age.
The biggest concern of deferred annuities is the risk of early death. However, you can insure yourself against this scenario. The most popular strategy is to obtain an option called “death benefit”. Shortly saying, beneficent get funds from the policy if he/she should pass on before the benefits start.
There is also so-called cash refund option which pays your beneficiaries the balance of your account if you die in the midst of receiving benefits.
Immediate annuities provide income over an agreed period of time or for the duration of the annuitant's lifespan. Of course, the income amount is determined by few factors, like the total premium amount, the annuitant's current age, and the rate of interest used by the insurance company.
You should calculate and strictly determine whether an annuity product is a good match for your given retirement goals and objectives. Annuity should become a proper part of your whole retirement plan.
Best Financial Directory is going to list the best sites below, which offers quality annuity information, advice and policies.

Annuities Featured Listings

Annuities Regular Listings

Prudential Variable Annuities
You need a good plan with the right strategies to help you meet the financial challenges your retirement income will face. Prudential Annuities has solutions that can help you enjoy retirement income certainty. Prudential Variable Annuity provides tax advantages, an innovative fee structure, and a complete range of investment strategies.

U.S. Securities and Exchange Commission website

Annuities by U.S. Securities and Exchange Commission
An annuity is a contract between person and an insurance company that is designed to meet retirement and other long-term goals, under which you make a lump-sum payment or series of payments. In return, the insurer agrees to make periodic payments to you beginning immediately or at some future date. Please read more at SEC annuity explanation.

Life annuity may be regarded as an effective financial instrument and a monetary bond.
The annuitant makes contributions until a specified date and then in return receive regular payments from the insurance company until the contract dissolves.

Variable Annuity?

When pensions, Social Security, and other savings aren't enough to maintain your lifestyle in retirement, a variable annuity can help grow and protect your retirement income.

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