A Charitable Gift Annuity is a type of Single Premium Immediate Annuity. Charitable Gift Annuities can be a great way to for the average person to help or contribute a significant amount of money to their favorite charity or church. With a Charitable Gift Annuity, a person can transfer cash, or marketable securities to a [...]
Your Insurance Advisor: Insurance Articles, Advice & News
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Annuities: How Does A Single Premium Immediate Annuity Work?
June 3rd, 2010 by Your Insurance Advisor When you buy an annuity, you pay a certain amount of money called an insurance premium. This premium can be paid all at once in the beginning (called a single premium annuity), or it can be paid in installments (a flexible premium annuity). When an insurance company receives the premium from you, the premium is gathered and collected, or pooled, with the premium paid by all of the other people that buy annuities from the insurance company.
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Annuities: What is A Single Premium Immediate Annuity?
May 24th, 2010 by Your Insurance Advisor A Single Premium Immediate Annuity (SPIA), out of all of the annuities that we have talked about, is the one that is most insurance-like of all annuities. As we discussed before an annuity protects you from running out of income, or money, before you die. When you buy a single premium immediate annuity you are protecting yourself by assuring yourself a source of income for the rest of your life.
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Auto Accident Personal Injury Car Insurance Claims
May 24th, 2010 by Your Insurance Advisor Eight out of ten Americans will have an accident in the next seven years. Auto Accident Personal Injury Insurance Claim: How to Evaluate and Settle Your Loss delivers over three decades of personal injury, insurance claim experience in an easy-to-read book. Learn how to settle your “pain and suffering” for top dollar from an expert. [...]
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Annuities: Flexible or Single Premium Annuity
May 23rd, 2010 by Your Insurance Advisor Annuities create income security for consumers by providing guaranteed income for life, or for a predetermined period of time. This period of time is set at the time of purchase in the annuity contract between the purchaser and the insurance company. The money used to fund the annuity purchase is called the premium. When the [...]
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Annuities: What is An Income Annuity?
May 22nd, 2010 by Your Insurance Advisor Consumers purchase annuities to protect themselves from running out of income during their lifetime. When selecting an annuity care should be taken to decide at what point in time that income is desired. There are two possible choices for consumers to make: Immediate or Deferred.
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Variable Annuities: What is a Variable Annuity?
May 21st, 2010 by Your Insurance Advisor A variable annuity is a type of annuity that resembles a mutual fund. A variable annuity provides a consumer with some of the safety that a regular annuity provides, but offers a rate of return that can vary dependent on what happens in the market.
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Fixed Annuities: What is a Fixed Annuity?
May 19th, 2010 by Your Insurance Advisor The fixed annuity is similar to a bank CD or Certificate of Deposit. The fixed annuity buyer is assured a guaranteed rate of return for a specific period of time, or term. In the majority of cases, the longer the term, the higher the rate of return.
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Auto Accident Insurance Claims Settlement Secrets
May 18th, 2010 by Your Insurance Advisor Knowing how insurance companies process auto accident insurance claims can make the difference between receiving the minimum amount or receiving thousands of dollars more for your auto accident insurance claim. Learn what you need to know to get the most for your auto accident insurance claim.
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Annuities: What is an Annuity?
May 17th, 2010 by Your Insurance Advisor An annuity is an insurance product that helps consumers protect themselves against living too long. In effect, it works as the opposite of a life insurance policy which protects you from living too little. An annuity guarantees the annuity owner a fixed amount of income for as long as they live.
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