ANNUITIES. KNOWLEDGE & INFORMATION
What is the difference between term and universal life
insurance?

Term Life Insurance: Is the most basic of insurance policies.
It is nothing more than an insurance policy that provides
protection for accidental death and possibly debilitating
injuries for a specified period of time. If you or your
beneficiaries do not make any claims during the term of
such a policy, the policy will typically expire worthless.
Generally, term life insurance is cheaper to buy during the
earlier years of life, when the risk of death is relatively low.
Prices rise in accordance with increasing risks and
advancing age.

Universal Life Insurance
A type of flexible permanent life insurance offering the
low-cost protection of term life insurance as well as a
savings element (like whole life insurance) which is invested
to provide a cash value buildup. The death benefit, savings
element and premiums can be reviewed and altered as a
policyholder's circumstances change. In addition, unlike
whole life insurance, universal life insurance allows the
policyholder to use the interest from his or her accumulated
savings to help pay premiums.

Universal life insurance was created to provide more
flexibility than whole life insurance by allowing the policy
owner to shift money between the insurance and savings
components of the policy. Premiums, which are variable, are
broken down by the insurance company into insurance and
savings, allowing the policy owner to make adjustments
based on their individual circumstances. For example, if the
savings portion is earning a low return, it can be used
instead of external funds to pay the premiums. Unlike whole
life insurance, universal life allows the cash value of
investments to grow at a variable rate that is adjusted
monthly.

Universal life insurance falls under a broader category of
policies sometimes referred to as cash-value, or permanent,
insurance. These types of insurance policies combine death
benefits with a savings component or cash value that is
reinvested and tax deferred. The savings portion is
accumulated throughout the life of the policy and can
sometimes be cashed in at some future point. Because
these policies are permanent, any early termination of the
contract by the policy holder is subject to penalties. During
the earlier stages of your life, a large portion of the premium
paid to this policy is routed to the savings component.
During the later stages of life, when the cost of insurance is
higher, less of the premium is devoted to the cash portion
and more to the purchase of insurance.

For example, if a 20-year-old adult purchases term
insurance, his or her premiums might be $20 per month.
With a universal policy, the same 20 year old might pay $100
a month, with $20 of that going toward death insurance and
the remaining $80 going to the savings component. When
the person reaches age 45, term insurance might cost $50
per month; however, with universal insurance, the person
would still pay $100 a month, although a lower portion of this
would go into the savings component.

According to most unbiased experts, term life is more
appropriate for the average individual looking to insure him
or herself against unforeseen events. However, this does
not mean that term life is better for everyone. For example,
individuals looking for the tax advantages associated with
cash-value plans are not concerned with the prohibitive
costs related to those plans, and individuals who start
families later in life and need insurance to protect their loved
ones may also decide that cash-value insurance is more
suitable than term life.

What is variable life insurance?

Variable Life Insurance:Is a permanent life insurance policy
with an investment component. The policy has a cash value
account, which is invested in a number of sub-accounts
available in the policy. A sub-account acts similar to a mutual
fund, except it's only available within a variable life insurance
policy. A typical variable life policy will have several
sub-accounts to choose from, with some offering upwards of
50 different options.

The cash value account has the potential to grow as the
underlying investments in the policy's sub-accounts grow - at
the same time, as the underlying investments drop, so may
the cash value.

The appeal to variable life insurance lies in the investment
element available in the policy and the favorable tax
treatment of the policy's cash value growth. Annual growth of
the cash value account is not taxable as ordinary income.
Furthermore, these values can be accessed in later years
and, when done properly through loans using the account as
collateral, instead of direct withdrawals, they may be
received free of any income taxation.

Similar to mutual funds and other types of investments, a
variable life insurance policy must be presented with a
prospectus detailing all policy charges, fees and
sub-account expenses

Whole Life Insurance Policy

A life insurance contract with level premiums that has both
an insurance and an investment component. The insurance
component pays a stated amount upon death of the insured.
The investment component accumulates a cash value that
the policyholder can withdraw or borrow against.  

As the most basic form of cash-value life insurance, whole
life insurance is a way to accumulate wealth as regular
premiums pay insurance costs and contribute to equity
growth in a savings account where dividends or interest is
allowed to build-up tax-deferred.

KNOWLEDGEFINANCIALGROUP.COM
Cashing In Your Life Insurance Policy
-----------KNOWLEDGEFINANCIALGROUP.COM-- EXPLAINS

In tough economic times, people are sometimes left scrambling for
cash to meet everyday expenses and lifestyle demands. Your life
insurance policy is a possible source of funds - but should you tap into
it?

There are certainly some drawbacks to using life insurance to meet
immediate cash needs, especially if you're compromising your
long-term goals or your family's financial future. Nevertheless, if other
options are not available, life insurance, especially cash-value life
insurance, can be a source of needed income

Methods of Accessing Cash
Cash-value life insurance, such as whole life and universal life, builds
reserves through excess premiums plus earnings. These deposits are
held in a cash-accumulation account within the policy.

Cash-value life insurance offers the opportunity to access cash
accumulations within the policy either through withdrawals, policy
loans, or partial or full surrender of the policy. Another alternative
involves selling your policy for cash, a method known as a life
settlement.

Be sure to bear in mind that although cash from the policy might be
useful during stressful financial times, you could face unwanted
consequences depending on the method you use to access the funds.

Withdrawals
Generally, it is possible to withdraw limited amounts of cash from a life
insurance policy. The amount available differs based on the type of
policy you own and the company issuing it. The main advantage of
cash-value withdrawals is that they are not taxable up to your policy
basis, as long as your policy is not classified as a modified endowment
contract (MEC).

However, cash-value withdrawals can have unexpected or unrealized
consequences:

Withdrawals that reduce your cash value could cause a reduction of
your death benefit - a potential source of funds you might need for
income replacement, business purposes or wealth preservation.
Cash-value withdrawals are not always received income-tax free. For
example, if you take a withdrawal during in the first 15 years of the
policy and the withdrawal causes a reduction in the policy's death
benefit, some or all of the withdrawn cash could be subject to taxation.
Withdrawals are treated as taxable to the extent that they exceed your
basis in the policy.
Withdrawals that reduce your cash surrender value could cause your
premiums to increase in order to maintain the same death benefit;
otherwise, the policy could lapse.
If your policy has been classified as an MEC, withdrawals generally are
taxed according to the rules applicable to annuities - cash
disbursements are considered to be made from interest first and are
subject to income tax and possibly the 10% early-withdrawal penalty if
you're under age 59.5 at the time of the withdrawal.

Loans   -----------------KNOWLEDGEFINANCIALGROUP.COM-- EXPLAINS:
Most cash-value policies allow you to borrow money from the issuer
using your cash-accumulation account as collateral. Depending on the
terms of the policy, the loan might be subject to interest at varying
rates; however, you are not obligated to financially "qualify" for the
loan. The amount you can borrow is based on the value of the policy's
cash-accumulation account and the contract's terms

The good news is that borrowed amounts from non-MEC policies are
not taxable, and you don't have to make payments on the loan, even
though the outstanding loan balance might be accruing interest.

The bad news is that loan balances generally reduce your policy's
death benefit, meaning your beneficiaries might receive less than you
intended. Also, an unpaid loan that is accruing interest reduces your
cash value, which can cause the policy to lapse if insufficient
premiums are paid to maintain the death benefit. If the loan is still
outstanding when the policy lapses or if you later surrender the
insurance, the borrowed amount becomes taxable to the extent the
cash value (without reduction for the outstanding loan balance)
exceeds your basis in the contract.

Policy loans from a policy that is considered an MEC are treated as
distributions, meaning the amount of the loan up to the earnings in the
policy will be taxable and could also be subject to the pre-59.5
early-withdrawal penalty
Annuities & Pensions Insurance--- BUYHEREMARKET.BLOGSPOT.COM-- EXPLAINS:

Basically, an annuity is just a series or stream of payments. “Annuity” comes from the Latin for “year”. In the context of life insurance, it is a contract between you and an insurance
company under which the insurance company pays you money for a stipulated period — often for life. The payments are frequently monthly. The person receiving the payments is
referred to as an “annuitant.”

An annuity can provide you with a tax-deferred way of saving for your retirement.
Variable deferred annuities may offer optional "living benefits", for a fee, to help protect your account balance, future income and death benefits from market fluctuations.
Once you've retired, an annuity can give you a guaranteed stream of income for as long as you live.**
Submit the secure form to the right to speak with a MetLife financial representative and find out if annuities are right for you.

Annuities---KNOWLEDGEFINANCIALGROUP.COM-- EXPLAINS;
Planning today means a secure tomorrow.
Sometimes described as the opposite of Life Insurance, annuities protect you against the possibility of outliving your financial resources. State Farm offers you several types of
annuities, which can also be a part of your personal retirement plan.
Annuities are sometimes described as the opposite of life insurance because annuities can help you protect against the possibility of living too long and outliving your resources.

An annuity is a contract under which an insurance company promises to make a series of payments to a person in exchange for a single premium or a series of premiums. You can also use a deferred
annuity to help you accumulate money for future use.

Future Income (Flexible Premium Deferred Fixed Annuity): This policy allows you to accumulate money over time at a current interest rate (with a guaranteed minimum), and then allows you to choose from
several different payout options. ----------KNOWLEDGEFINANCIALGROUP.COM-- EXPLAINS:

Future Income Plus (Deferred Annuity with Single Premium): This policy allows you to accumulate money over time at a current interest rate (with a guaranteed minimum), and then allows you to choose
from several different payout options. You may also choose a new interest rate guarantee period from those available during a 30-day window at the end of each interest rate guarantee period. This is a
single premium Deferred Annuity product.

Future Income Flex (Variable Deferred Annuity): This policy allows you to accumulate money over time in a variety of underlying investments, and then allows you to choose from several different payout
options.

Guaranteed Income (Single Premium Immediate Annuities): These policies allow you to immediately convert a lump sum of money into a guaranteed payout for as long as you live. Guaranteed payouts are
also available for a certain number of years.

Some annuities are used to fund a "Tax-Qualified" plan.* These tax-qualified plans can include:
BUYHEREMAEKET.BLOGSPOT.COM
Annuity Insurance Investment:
Annuities are sometimes described as the opposite of life insurance.  An annuity is a contract under which an insurance company promises to make a series of
payments to a person in exchange for a single premium or a series of premiums. FOR MORE INFORMATION; CONTACT A FLORIDA AGENT AT:
SAVE YOUR HOME, SAVE YOUR CREDIT, REDUCE YOUR MONTHLY
PAYMENT, AVOID FORECLOSURE.

HOME BUYING
Home ownership is still very much a part of the American dream
but one that mandates homework, legwork and considerable effort
on your part to ensure that the process goes
as smoothly as possible. Here's how to make your dream a reality.

Home-Selling; HOME SELLING: WAYS TO SELL A PROPERTY FAST
AND EASY FOR THE TOP PRICE!
FINANCIAL KNOWLEDGE: The Successful Investment Journey, Ten
Tips For The Successful

How to Become Wealthy?
Nine Truths That Can Set You on the Path to Financial Freedom.

SOCIAL SECURITY; THE ULTIMATE RETIREMENT GUIDE. HOW DOES
SOCIAL
SECURITY WORK?
Home refinancing: REFINANCE: 10 GREAT REASONS TO
REFINANCE A PROPERTY. NOW IT'S THE BEST TIME FOR
REFINANCING, THE INTEREST RATE IS
VERY LOW.
MONEY CRISIS: FINANCIAL SYSTEM IN TROUBLE:  BAIL-OUT
PACKAGE.   Americans react.
Where is the safe place to put MONEY? What about our retirement
accounts?

NO PANIC, NO EMOTION, NO WRONG DECISION!
HERE ARE THE SAFEST PLACES WHERE YOU CAN PUT YOUR
MONEY AND HAVE PEACE OF MIND!

FINANCIAL KNOWLEDGE: The Successful Investment Journey, Ten
Tips For The Successful Long-Term Investor, Having
A Plan: learn the Basis Of Success

SMALL BUSINESS, METHODS, TECHNIQUES, AND STRATEGIES.
Business structures 101, How to land a bank loan?  It's tougher to
get business loans in this lender's market, but these tips
can improve your chances

THE 16 DAYS THAT SHOOCK THE US
ECONOMY IN SEPTEMBER, 2008.
A shocking series of events that forever
changed the financial markets.
When banks don't lend to each other and the
credit system gets backed up, consumers have
a ha
rd time getting a loan

Monthly news letter about the Financial world,
Saving, Investment, Real Estate,Economy

Money crisis: US FINANCIAL SYSTEM IN TROUBLE, BAIL-OUT
PACKAGE. Americans react
Questions: what are you doing with your money in the wake of the
financial crisis?
Where is the safe place to put MONEY?
NO PANIC, NO EMOTION, NO WRONG DECISION!
HERE ARE THE SAFEST PLACES WHERE YOU CAN PUT YOUR
MONEY AND HAVE PEACE OF MIND!

FINANCIAL FREEDOM: A SMARTEST WAY TO PREPARE A BETTER
FUTURE IS TO PLAN TODAY TO OBTAIN A COMPLETE FINANCIAL
FREEDOM.

BUILDING WEALTH! How to Become Wealthy?
Nine Truths That Can Set You on the Path to Financial Freedom.

THE FOREX MARKET:THE WORLD LARGEST EXCHANGE MARKET
The foreign exchange market, or forex, has notoriously been the
domain
of government central banks and commercial and investment
banks. But
now more than ever individuals are tackling the forex market as it
offers
trading 24-hours a day, five days a week

AMERICA’S MONEY CRISIS / Bailout 101: What new law says
Here's a rundown of key provisions of the financial rescue plan that
United State Senate voted, Wednesday October 1; and the house
voted Friday October 3, 2008.

FINANCIAL AID: FREE SCHOLARSHIP FOR SCHOOL
FREE GOVERNMENT GRANTS MONEY FOR SCHOOL
LOW INTEREST RATE LOANS FROM THE NATION LARGEST
SOURCES OF LOCAL, NATIONAL, SPECIFIC SCHOLARSHIP.

STOCK MARKET A WAY TO INVEST AND MULTIPLY YOUR PROFITS.  
THESE INDUSTRIES HAS THOUSANDS OF COMPANIES TO BUY
STOCKS FROM:
PETROLEUM, AUTOMOBILE, CONSTRUCTION, REAL ESTATE,
PHARMACEUTICAL, ENERGY, ELECTRONIC, RETAIL, BANKING AND
FINANCING,
COMMUNICATION, TRANSPORTATION, RESOURCE MINERALS ETC.
American Express
Annuity Overview--------KNOWLEDGEFINANCIALGROUP.COM-- EXPLAINS:

Annuities primarily offer a source of income, either now or at a set future
date, such as retirement. An annuity can also have a tax advantage. For
example, a deferred annuity accumulates tax-deferred interest until you
withdraw the funds.


What are the most common types of Annuities?
Single Premium:
An annuity that is purchased by paying one lump sum to the insurance
company as premium.

Flexible Premium:
An annuity that is purchased by paying multiple premiums to the
insurance company.

Immediate Annuities:
With an immediate annuity, you pay a single premium and immediately
start receiving payments at the end of each payment period, which is
usually monthly or annually.

Deferred Annuities:
A deferred annuity is established by you paying one or more premiums
over what is referred to as accumulation period. The premiums you pay
and the interest credited to the premiums goes into a fund called an
accumulation fund.

There may be a minimum guaranteed interest rate at which your money
will accumulate during the accumulation period. The annuity payments
you will receive begin at a future point in time called the maturity date.
KNOWLEDGEFINANCIALGROUP.COM-- EXPLAINS:

You will receive payments during a time period called the payout period.
You do not pay income taxes on the interest earned during the
accumulation period unless you withdraw funds from its cash value.
These taxes are deferred until the payout period.


Fixed Annuities:
A fixed annuity provides fixed-dollar income payments backed by the
guarantees in the contract. You cannot lose your investment once your
income payments begin. The amount of those payments will not change.
With fixed annuities, the company bears the investment risk.


Equity Indexed Annuities:
Is an annuity, either immediate or deferred, that earns interest or
provides benefits that are linked to an external equity index, such as
Standard and Poor's 500 Composite Stock Price Index. When you
purchase an equity-indexed annuity, you own an insurance contract not
shares of any stock or index.


Variable Annuities:
Variable annuity investments are securities, which tend to fluctuate with
economic conditions. The value of a variable annuity depends upon the
value of the underlying investment portfolios associated with the annuity.

The owner bears the investment risk for the value of the security. The
value of the annuity will increase with a favorable investment
performance of the security. The annuity's value will decrease with a
poor investment performance.

In fact, you can lose your investment. A product receives the
classification of a variable annuity if the value during either the
accumulation period or the payout period depends on the value of the
security. Some variable annuities provide a choice of either a variable
payout or a fixed payout.
What is a maturity date?
The maturity date is determined when you purchase an annuity. It is the
date on which you can begin receiving payments from your annuity. You
will be asked at the time of maturity to select a settlement option. The
settlement option determines how you will receive payments from your
annuity.
Annuity Overview
Annuities primarily offer a source of income, either now or at a set future date, such as
retirement. An annuity can also have a tax advantage.  --- Is an Annuity right for you?
Annuity products primarily offer a source of income, either now or at a set future date,
such as your retirement. If this is not what you are seeking, then you should consider
other types of investments. BY CONTACTING A FLORIDA AGENT AT:
Annuity - Tax Qualified And
Non-Qualified  A Qualified
annuity is an approved IRS
Pension vehicle used for IRAs,
401K rollovers, Tax Sheltered
Annuities (TSA's) and other
approved pension plans.  

A Non-Qualified annuity is an annuity
where contributions are not tax deductible . Contributions to
qualified annuities are generally tax deductible, and taxes on
interest are deferred until withdrawal. In contrast, contributions to
a Non-Qualified annuity are not tax deductible, however, the
interest accumulation in the contract is still deferred.  

Rollover contributions from prior tax qualified plans, must be
deposited into another qualified account within 60 days of
distribution or the lump sum becomes taxable.

If an annuity is surrendered or money is withdrawn prior to age 59
½,  distributions may be subject to ordinary income tax plus a 10%
penalty imposed by the IRS.  Additionally, withdrawals from
qualified annuities must generally start by age 70½ or the owner
will be subject to certain penalties.
Annuity - Fixed, Variable and Indexed Annuities  Annuity accumulation
values and payouts may be "Fixed" - paying a stated rate of interest,
"Variable" - based on the value of securities such as stocks or bonds,
or "Equity Indexed" - linked to an index such as Standard and Poor’s 500
Composite Stock Price Index.  
-------------------
Fixed annuities pay interest at a rate set annually by the company, and
normally have a minimum guaranteed rate.  Once the payout or
annuitization phase begins, payments are fixed and do not fluctuate
based on interest rate changes.
------------------
Variable annuity values are based on the underlying value of the
securities they invest in, such as mutual funds or common stocks.  
Variable annuities generally do not have maximum limits or a minimum
guarantee, which means you could potentially lose your investment.
--------------------
Equity indexed annuities are a hybrid between fixed and variable
annuities. These contracts generally base growth on an equity index
such as Standard & Poor’s 500 Composite Stock Price Index.  Equity
indexed annuities are not normally subject to loss of principal like
variable annuities, however account growth is often limited to a
percentage (%) of the growth of the equity index on which it is based,
and may also contain caps on the maximum annual growth.  For
example, a contract might credit gains based at 70 percent of the
growth of the S & P 500 Index, limited to no more than 10 percent per
year.

.. Equity Indexed Annuity Alert
..
..TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL KNOWLEDGE. Buy the term,
and invest the difference.

.. INVESTMENT PRODUCTS:  Investing & Money Management Basics.  FINANCIAL SOLUTIONS,
TOOLS & RESOURCES.  LEARN MORE...

INSURANCE PRODUCTS: How to make profits with the insurance companies?
..TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL
KNOWLEDGE. Buy the term, and invest the difference.

.. INVESTMENT PRODUCTS:  Investing & Money Management Basics.  
FINANCIAL SOLUTIONS, TOOLS & RESOURCES.  LEARN MORE...

INSURANCE PRODUCTS: How to make profits with the insurance
companies?
..TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL
KNOWLEDGE. Buy the term, and invest the difference.

.. INVESTMENT PRODUCTS:  Investing & Money Management Basics.  
FINANCIAL SOLUTIONS, TOOLS & RESOURCES.  LEARN MORE...
Life Insurance Advantages,
Benefits, & Features While
You're Alive And After Death...
Learn More Here!

GET A FREE INSURANCE
QUOTE, Click Here!
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-----------------------
-The 33 Commandments of Wealth and Happiness--
Things Your Millionaire Neighbor Won’t Tell You

1. Thou shalt live like you’re going to die tomorrow, but invest like you’re going to live
forever.

The ease of making money in ..    or other risk-based assets is inversely proportional to
your time horizon. In other words, making money over long periods of time is easy –
making money overnight is the flip of a coin.

Money is like a tree: Plant it properly, care for it every so often, then wait patiently.
Stare at a newly planted tree for 24 hours, and you’ll be convinced it’s not growing..
Patience is certainly a virtue when it comes to investing.


2. Thou shalt listen to thine own voice above all others.
My job as a consumer reporter has included listening to countless sad stories about
nice people being separated from their money by people who weren’t so nice. While
these stories run the gamut from real estate deals to working at home, they all start the
same way: with a promise of something that seems too good to be true.

If someone promises they can make you 3,000 percent in the stock market, they’re
either a fool for sharing that information or a liar. Why would you send money to either
one? When you hear someone promising a simple solution to a complex problem, stop
listening to them and start listening to your own inner voice.

You know the government’s not handing out free money for your small business. Stop
listening to commercials and start listening to yourself.


3. Thou shalt covet bad economic times.
Wealth is realized when the economy is booming, but that’s not when it’s created.
Wealth is created when times are bad, unemployment is high, problems are massive,
everybody’s freaking out, and there’s nothing but economic misery on the horizon.

4. 4. Thou shalt not work.
Put your cash to work and create some wealth.



5. Thou shalt not create debt.
I’m always getting questions about debt. “Should I borrow for this, that, or the other?”
“What’s an acceptable debt level?” “Is there such a thing as good debt?”

There’s way too much analysis and mystery around something that isn’t at all
mysterious. Paying interest is nothing more or less than giving someone else your
money in exchange for using theirs. Rule of thumb: To have as much money as
possible, avoid giving yours to other people.

Don’t ever borrow money because you want something you can’t afford. Borrow money
in only two circumstances: when your back is against the wall, or when what you’re
buying will increase in value by more than what you’re paying in interest.

Debt also affects you on a level that can’t be defined in dollars. When you owe money,
in a very real way you’re a slave to that lender until you pay it back. When you don’t,
you’re much more the master of your own destiny.

There are two ways to achieve financial freedom: Have so much money that you can’t
possibly spend it all (something exceedingly difficult to do) or don’t owe anybody
anything. Granted, since you still have to eat and put a roof over your head, living debt-
free doesn’t offer the same level of freedom as having more money than you can
possibly spend. But living debt-free isn’t a matter of luck or even hard work. It’s a
simple choice, available to everyone.


6. Thou shalt be frugal – but not miserly.
The key to accumulating more savings isn’t to spend less – it’s to spend less without
sacrificing your quality of life. If going out to dinner with your significant other is
something that you enjoy, not doing it may create a happier bank balance, but an
unhappier you – a trade-off that is neither worthwhile nor sustainable. Eating an
appetizer at home, then splitting an entree at the restaurant, however, maintains your
quality of life and fattens your bank account.

Finding ways to save is important, but avoiding deprivation is just as important. In
short, diets suck.

Whether they’re food-related or money-related, if they leave you feeling deprived and
unhappy, they’re not going to work. But there’s a difference between food diets and
dollar diets: It’s hard to lose weight without depriving yourself of the foods you love,
but it’s easy to reduce spending without depriving yourself of the things you love.

Cottage cheese isn’t a suitable substitute for steak, but a used car is a perfectly
acceptable substitute for a new one. And the list goes on: watching TV online rather
than paying for cable, buying generics when they’re just as good as name brands,
using house-swapping to get free lodging, downloading books from the library instead
of Amazon… No matter what you love, from physical possessions to travel, there are
ways to save without reducing your quality of life.



7. Thou shalt not regard possessions in terms of money, but time.

Almost every resource you have, from physical possessions to money, is renewable.
The amount of time you have on this planet, however, is finite. Once used, it can never
be replaced. So when you spend money – especially if you earned that money by doing
something you had to do instead of what you wanted to do – you’re spending your life.

This doesn’t mean that you should never spend money. If those clothes are all that
important to you, by all means, buy them. But if it’s really not going to make you that
much happier, don’t. Think of it this way: If you can live on $150 a day, every time you
forgo spending $150, you just get one day closer to financial independence.



8. Thou shalt consider opportunity cost.
This is related to the commandment above. Opportunity cost is an accounting term that
describes the cost of missing out on alternative uses for that money. For example,
when I said above that not spending $150 on clothes puts you $150 closer to
independence, that was a gross understatement. Because when you save $150,
investing those savings gives you the opportunity to have more savings. If you’re
earning 10 percent, $150 invested for 20 years will ultimately make you $1,000 richer.

9. Thou shalt Try to make it or fix it yourself.
Just because something’s available in a store doesn’t mean that’s the only place you
can buy it. Check out 6 Alternatives to Expensive Household Cleaners, Do-It-Yourself
Laundry Detergent and Household Products Vinegar Can Replace.

10. Thou shalt  Sell before you buy.
Before you buy anything you want to think about business, Believe it or not ; the scret
of the rich is in commerce.  
Make it a habit to first sell something you don’t. Your garage and closets are full of stuff
you no longer use. So before you go to the store or click that online “checkout” button,
stop. Put off the purchase – first, take some clothes to the consignment shop, or take a
picture of something you’re no longer using and put it online..  ebay, Craigslist, garage
sale etc.

As soon as it sells, apply the money to the purchase you were going to make. Now you’
ve saved on something you wanted, and gotten rid of something you didn’t.

11. Shall  do just like a millionaire: He pays off his credit cards in full every month. He’
s smart enough to understand that if he can’t afford to pay cash for something, he can’t
afford it.
He never forgets that financial freedom is a state of mind that comes from being debt-
free. Best of all, it can be attained regardless of your income level.

Keep yourself busy.. being busy makes it difficult to spend what you already have.


12. Thou shalt pay yourself first.. Just like a millionaire;- He’s a big believer in paying
yourself first – in other words, setting aside money for your savings instead of
spending it on bills or entertainment. Paying yourself first is an essential tenet of
personal finance and a great way to build your savings and instill financial discipline.

Thou shalt plan ahead.. know that failing to plan is the same as planning to fail.
In a word, well plan everything you get to do .
Failing to plan is a plan to fail.

13. Thou shalt insure your stuffs and yourself..
realize that things  happen, that’s why you’re a fool if you don’t insure your things &
yourself against risk.
Remember that the potential for bankruptcy is always just around the corner and can
be triggered from multiple sources: the death of the family’s key bread winner, divorce,
or disability that leads to a loss of work.  
''Annuities Investment - Insurance Products
Banks and insurance companies offer a variety of ways to save money. Annuities have been
one of the most popular investment alternatives for a variety of reasons. This page offers
essential annuity information.

An annuity is a contract between the buyer and an insurance company. In general, the
insurance company promises to do something with the buyer’s money. This page should
serve as a general overview of annuities.

Banks sell a lot of annuities. To be more precise, a person at the bank acts as an agent and
sells an annuity issued by an insurance company. Sometimes the annuity is exactly what the
customer needed. However, there are too many stories about consumers walking out of the
bank with a product they didn’t need.

ANNUITY BENEFICIARIES //
The Recipient of an Annuity, IRA, or Death Benefit
A beneficiary is a person who receives assets at a contract owner’s death. The contract
owner picks the beneficiary at opening the account, or later. There are two basic types of
beneficiaries: primary beneficiaries and contingent beneficiaries.

Why Have a Beneficiary
It’s important to
select a beneficiary for a variety of assets. Most often, you find beneficiaries assigned for:
IRAs Life insurance policies
By assigning a beneficiary, a person makes it clear who should receive proceeds of any asset
in the event of their death. This eliminates any questions or disputes among family members
and friends who might contend that the deceased “would have wanted” another person to
receive the assets.

Choosing a beneficiary also speeds things up for the chosen beneficiary because there is no
need to wait for probate processes. Instead, a named beneficiary can typically claim assets as
soon as the decedent’s death is documented. Moreover, a beneficiary designation usually
supersedes (or overpowers) the instructions in a will – so the will only applies to assets that
do not have a named beneficiary.

There are two basic types of beneficiaries:
•Primary beneficiaries
•Contingent beneficiaries
Primary beneficiaries are the account owner’s first choice for a beneficiary. In the event of
death, the first person who can claim the assets is the primary beneficiary. Note that you can
have multiple primary beneficiaries in some cases. For example, you could have 3 primary
beneficiaries, all of which receive 33.3% of assets.

Contingent beneficiaries are used as a backup. In the event that there are no
living primary beneficiaries, the contingent beneficiary claims the asset. A common example
is this:
A husband picks his wife as the primary beneficiary. She would receive any assets at his
death. However, the husband and wife are killed together (at the same time) in an auto
accident. Therefore, assets will go to a contingent beneficiary.


Changing Beneficiaries
Keep in mind that most financial institutions will allow an account owner to change
beneficiaries. To do so, you usually complete a simple form. I recommend reviewing your
beneficiary selections periodically. Things change in life, and you’ll want to make sure you
update beneficiary selections with marriages, divorces, births, and deaths.

ANUITIZE-ANUITIZATION
When you annuitize, you "flip the switch" and and start taking income from an annuity.
Annuitizing is a serious decision, but it's not required. This page covers what happens when
you annuitize, and whether or not you should do so.

Beneficiary Defined
A beneficiary is a person who receives assets at a contract owner’s death. The contract
owner picks the beneficiary at opening the account, or later. There are two basic types of
beneficiaries: primary beneficiaries and contingent beneficiaries.
Annuity Premiums Defined

Annuity premiums are the dollars paid into an annuity. In many cases, you can
think of annuity premiums as if they were account deposits. It’s a confusing word that gets
used because an annuity is technically an insurance contract.
What is an Annuitant?
The annuitant is a person who’s lifespan will affect the annuity. The annuitant is important
because of...



Annuity Contract Owner
From the annuity information glossary -- Contract Owner. Covers who a contract owner is and
what a contract owner can do.

Annuity Surrender Period
A surrender period is how long you must wait before taking money out of an annuity without
penalty. An annuity might not have a surrender period, or it may last for more than 10 years.
You can take money out before the surrender period, but you’ll generally pay a percentage of
the amount you withdraw.

Immediate Annuity - Definition of Immediate Annuity
An immediate annuity makes income payments immediately, or very soon after purchase. You
use an immediate annuity when you want to start taking income as soon as possible.
Deferred Annuity - Definition of Deferred Annuity
Deferred annuities are annuities that do not make payments until
Some companies offer a suite of annuities to help meet
your particular financial goals in retirement. Whether
you are currently retired, retiring soon or retiring years
from now, you’ll discover a wealth of options to help
secure your personal financial future.

Our annuities include enhanced income features,
competitive fees and expanded investment options:

Fixed annuities with a variety of interest rate
guaranteed periods and payout options.
Fixed indexed annuities with upside potential and
downside protection.

Variable annuities with optional protected lifetime
income benefits.

Immediate annuities for lifetime retirement income that
can start today.
Protect Tomorrow. Embrace Today.TM

When you purchase an annuity for retirement, you
begin a long-term relationship with a life insurance
company. You want to be sure that company has the
experience, character and strength to serve you now
and in the future. You want to be confident that
company will back its promises for the long term.

-
What is an annuity?
An annuity is a type of contract between you and a life
insurance company. Designed for retirement planning,
an annuity is one of the few investments that can
provide a stream of payments for life.
Annuity contracts are funded with a one-time purchase
payment or a series of purchase payments, and there are
many different types of annuities. Some begin annuity
income payments immediately after purchase, while
others first offer the potential to grow your retirement
savings. Some offer a fixed rate of return, a variable rate
of return based on market performance or a combination
of both.

Can I access my money?
You can convert your contract value into a stream of
guaranteed income payments. Many options are
available so you can customize your annuity income
payments to meet your unique needs, including choices
about when the payments begin, how frequently they are
paid and how long they last.

They can even be guaranteed for life, or for the lifetime
of you and your spouse.
Certain types of annuities may offer additional liquidity,
generally governed by a surrender charge.

A surrender charge is a fee you pay to the life insurance
company if you withdraw money or cancel your contract
within a specified number of years. Once this surrender
charge period ends, you may withdraw money without a
fee.

Some annuities offer penalty-free withdrawals, even
during the surrender charge period. The amount is
usually stated as a percentage of the contract value or
as earned interest.
Annuities and your retirement.

There are a variety of products, investments and
strategies that can be used and combined to create a
unique strategy to meet your personal retirement
savings and retirement income needs. An annuity is one
such product. Protective Life recommends you seek the
advice of a qualified financial advisor who can help you
better understand the available options and which may
be most suitable for you.
-
'' Knowledge Research &
Learning Center''
Whether it’s finance, economy, real
estate, insurance, mortgage, investing, or
kids homework help, learning a new
language, repairing anything, medical &
nursing field, financial planning, estate
planning, retirement planning;

Knowledge Financial Group -
knowledgefinancial.com ’s database can
connect you to the information you need.
ABOUT ANNUITIES
Don't Invest In  Annuity Until You Watch &  Listen  To This Or
Contact us First.

Potentially Eye-Opening  Audio Video
Annuity 101: Get more income by working with
top-rated financial carriers and leveraging annuity contract
terms and benefits to help you get  higher guaranteed  
monthly income.

1.Income stream for life** so you can spend with
greater confidence throughout your retirement
2.You have control of your money so you can access it if you
need it***

3. Guaranteed* and increasing income so you can
relax knowing your money will be there month in and month
out and have the same spending power down the road, even
with inflation

4. Potential Growth:
You have potential for growth linked to a market index
upside without the market downside so you can feel rest
assured your principal is protected

5. Your income can even double  with certain riders^

===================

Financial vehicles available on the
market today that may be able to offer
all this...
2
is not exposed to market volatility
3
can pay guaranteed* income for life**
4
income that can possibly  up to 100% tax free§
5
can offer a hedge against inflation**
6
some types can increase with a market index upside without
loss from market index downturn
7
spousal continuation**
===============

Want to speak with someone about annuity in south Florida,
CONTACT ANTHONY RIGHT HERE...

Wealth Accumulation Goals --     Growth --
Steady Income
Preservation of Income
--------------
Retirement Goals //    Preservation of Principal
Steady Income --    Growth
===========
Proven instruments for accomplishing
retirement goals such as these are annuities.
Let me tell you about one type. Generically, it’
s called a fixed indexed annuity.

Insurance: Safeguard Your Family and
Financial Plan with Term Life Insurance.

Get a personalized consultation for your
exact coverage needs
Planning for your financial future isn't just
about investing and retirement. It's also
about protecting your loved ones from
unforeseen events that could derail
everything you've worked so hard to build.

We've built our business working hard for
hardworking people like you, helping you
build a plan to achieve your long-term
financial goals.

In addition to ongoing monitoring and
evaluation of that plan, it's our duty to help
protect it in case something happens to you.

We want you to know your family's financial
future will still be on track. han three times
more expensive than they actually are.
------------------------

Life insurance can protect your loved ones
Knowledge Financial Group - knowledgefinancialgroup.
com provides tools and resources to make better financial
decisions.

------------------------------------------
Not having a financial plan is actually just having a really
bad plan
------------

"You should have three to six months of your normal
income in an account that's safe and liquid,

-----------------
Why Financial Planning?
Need
Because you have multiple needs and goals – such as the
welfare of your family, education funding for your
children, or a financially secure retirement – so a single
solution won’t work.

Cost
Because the cost of not planning is far higher. Even the
costs along the way – for investments, insurance, taxes,
and other financial necessities – are less with planning
than without.
Life Insurance Services For All..

Everyone has the smarts mind to do
things a little differently.

But not everyone does.
Let me  tell you that, the ones who do are
ahead of the game.

So take action, do what you have to do.
UL, INDEX UL, VARIABLE UL
Term Life Insurance
Permanent Life Insurance

Risks And Rewards In UL
Variable Universal Life is risky. That's why clients suitability is
important [ Variable Universal Life gives dividends

NOTE; INDEX UL OFFERS NO DIVIDENDS

NOTE; Insurance sub account is not mutual fund

The expense load in VUL  is much more than the tax
advantage

===============

Valuable resources you can use at your
advantage  to take you to the next level in life provided by the
staff of Knowledge Financial Group - knowledgefinancial.com
===================
There are 3 three aspects in life
insurance...
No agents can offer all three to a client. Only two of them can
be obtained by a client.

Here are they:
1. Low Premium
2. High death benefit
3. Sufficient Cash Value

Agents can offer only two to a client.
Mr. or Mrs client which one of the two
are most important to you?

1. Low Premium, High Death Benefit =
Meaning that the best for the client is term life insurance.

-------------
2. Low Premium And Sufficient
Cash-Value. Meaning that a Permanent Life Insurance is
good for this particular client.
---------------
3. High Death Benefit And Sufficient
Cash- Value. For this type of clients, a permanent
policy, or a limited  pay policy could be good
===========
The staff of Knowledge Financial Group
- knowledgefinancial.com is said that insurance
needs to be insurance and investment needs to be investment.
Not recommended to combine the two together, that's a very
bad choice and a blessing gift to the insurance companies.
Life Insurance With Living Benefits
why not sell a product that provides MORE benefit to my client
especially given the circumstances they face today.

Statistic shows that

1 in 2 Men and 1 in 3 women will contract some
form of cancer.

There are over 800,000 Stroke victims a year.

Every 44 seconds someone in the U.S. suffers a heart
attack.

Approximately 70% of people over the age of 65 will
require long-term assistance during their lifetime, and over 40%
will need care in a nursing home.

----------------------------

Questions to ask ourselves:
1. Where could your client access a bucket of money in the event
of a heart attack, stroke, or cancer diagnosis?

2. Access money in the event of a chronic illness such as a long
term care event?
Could they get it from their banker or stock broker? Not likely!

Today, you can find Living Benefits in both Term Insurance and
Permanent Life Insurance products.

Sometimes the benefits are in the form of a Rider, and other times
that are embedded in the product automatically.  

To find out which Living Benefit products
make the most sense for your clients,
contact Anthony Jeanty the Florida
insurance representative

Living Benefits have become more important to today’s
consumer and it’s important to present options.  Clients can have
additional protection with their policy to cover Critical, Chronic,
and Terminal Illness.  

Term was built to be a highly competitive term life
insurance product that actually provides MORE than just a
death benefit.

It provides some of the best living benefits in the industry with
Critical, Chronic, and Terminal Illness accelerated riders built in to
the product for no additional premium to  client!
Plan For The Unexpected
The ultimate goal for most of us is to live a full life and have
confidence that our personal and financial goals are possible.
While you may not have total control over your health or how
long you live, you can take steps today to plan for a secure
financial future.

Planning for the unexpected is one of the most
important things you can do for your family and your future.

Term Life — a term life insurance policy specifically
designed to help families get the most out of life.

Term insurance is an effective way to protect your
family and cover expenses like short-term debts, medical bills,
mortgage payments and college education in the event of a
loss in your income

We all hope that we live long, healthy lives, however many of
us will face an unexpected illness or other hardship like
unemployment in our lifetime.
Even though you can't predict the future, you can prepare for it.

Term Life may include the following benefits to help
protect you and your family.

Critical Illness Rider
If you are diagnosed with a heart attack, stroke, cancer, renal
failure, major organ transplant, or ALS, this rider allows you to
receive a portion of your death benefit early.

Chronic Illness Rider
If you are certified by a Physician as being unable to perform at
least two activities of daily living or require substantial
supervision due to severe cognitive impairment, this rider
allows you to receive a portion of your death benefit early.

Terminal Illness Rider
If you are diagnosed as terminally ill with a life expectancy of
12 months or less, this rider allows you to receive a portion of
your death benefit early as a lump-sum  to be used as you
wish.

Unemployment Waiver of Premium
If you become unemployed for a period of at least 4 weeks and
are receiving state or federal unemployment benefits, this
benefit waives six months of premium.

In addition to these included living benefits, r Term Life also
offers an optional benefit to cover accidental death.

Accidental Death Benefit Rider
The Accidental Death Benefit Rider must be elected at issue
and requires an additional premium.

If your death occurs by a covered accident, this benefit pays
an additional lump-sum benefit to your beneficiaries.
PERSONAL FINANCE 101
Wondering when many people will ever make enough money to stop
living paycheck to paycheck?

The answers are in knowledge financial group -
knowledgefinancial.com  //

Because we've found places  where you can find the resources, the
right information to increase your financial life year after year..

Where to go for essential help on personal finance - investing,
business - finance, insurance - real estate - taxes, financial knowledge
etc.
The places are: Knowledge Financial Group -
knowledgefinancial.com, and also RIGHT HERE

Visionaire Business Center - visionairebiz. blogspot.com
Buyheremarket Enterprise - Buyheremarket.blogspot.com


knowledgefinancial.blogspot.com financialacademy.blogspot.com

Facebook.com/knowledgefinancial
Facebook.com/antonyrealestate

Facebook.com/financialacademyschool
Facebook.com/visionairebiz

Facebook.com/buyheremarket
Facebook.com/worldclassrealestate

Facebook.com/femkonsa
Facebook.com/knowledgefinancialgroup
Life Insurance It’s more than just a death benefit
Beyond providing a guaranteed benefit to your
family in the event of death, life insurance can
also offer you:

Financial protection for your loved ones or business
Income replacement
Supplemental retirement income
Account value growth to use as a financial resource
Tax-deferred asset protection and accumulation


Find An Agent In Florida
Discover solutions to help meet your financial
goals.

-------------------------------

Not sure which type of life insurance is right for
you?
Choosing life insurance is a big step. Let us
help by showing your options side by side.

===========
What is an annuity?
A good retirement income strategy needs to generate two to three
decades of sustainable income. It should help to protect your assets
from inflation, market volatility and savings withdrawal rates that may
leave little or nothing for later retirement years or a personal legacy.

An annuity is an insurance product designed for
retirement to help protect your financial future and the risk that you
will outlive your savings.

As part of an overall retirement strategy, an annuity pays you
periodic income payments for as long as you live in exchange for a
premium.

There are different kinds of annuities—with different features and
payment options to meet your specific needs and priorities.
-------------

Which type is right for you?
Annuities offer many benefits that will help
you focus on enjoying your life today,
knowing you’ve prepared well for your future
Custom Search
Custom Search
Custom Search
''A Life Insurance Plan  Is Available For Every
Wallet;  Very Affordable Plan With A Great
Company. For More Info, South FLOrida,
CONTACT  ANTHONY AT: 786-631-7740

<Be Properly Protected With a Good - Life
Insurance Policy>

- WE HAVE AN INSURANCE  PLAN TO
BETTER HELP
YOURSELF, YOUR FAMILY, YOUR
FRIENDS, AND OTHER FAMILIES TO
BE PROPERLY PROTECTED. -
EXCELLENT LIFE INSURANCE  
''LEARN MORE...
'
'SOUTH FL.  CALL US AT:
:786-631-7740 - WE WILL COME TO
YOU..
When It Comes To Real Estate And Life Insurance In South
Florida; You've Questions, We've Answers.
South FL. 786-631-7740

The service you want,
--The care you deserve,

--The plan of peace of mind you should have with Anthony
as your advisor or your insurance representative...
Survivorship Indexed Universal Life Insurance {
SIUL}

Survivorship Indexed Universal Life Insurance
An integral part of a personalized plan to transfer the value of the estate or
business you have built over the years,  SIUL features the flexibility and
versatility to meet a variety of planning challenges, including wealth transfer,
charitable gifts and business succession.

This policy provides Death Benefit coverage for two people — you and your
spouse or business partner — paying a Death Benefit at the second death,
and is generally less expensive than two separate policies.
----------
A lasting legacy for the people and organizations that are meaningful to you.
Security for your loved ones while potentially building money to use during
your lifetime.
Life insurance may be able to help you achieve all these goals
----------------------------

WARNING:
“Life insurance is a lousy investment vehicle because it carries expensive
money management fees that offset your potential gains.” – Forbes!
--------------
Universal life insurance policies because they carry a lot of risk if the market
does not perform well.

These policies also have an adjustable cost of insurance which means your
monthly premiums can dramatically increase as you get older.
---------------

Every life insurance company sets their own rates and underwriting
guidelines, which makes it very difficult to determine your best options if you
are only getting quotes online...
What is GUL Insurance and How Does It
Work?

GUL insurance, or guaranteed universal life insurance, offers
permanent life insurance coverage without requiring an investment
value.

With a guaranteed universal life policy, you can lock in your rates
and coverage until the age of 85, 90, 95, 100, 105, 110 depend on
witch company you're dealing with.

It provides fixed rates and level coverage until the age of your
choice, usually 90 or later.
----------------
Pros        Cons
Rates are fixed until the age of your choice   

Does not build a cash value like other whole life options.

Coverage is usually less expensive than other whole life insurance
options .

Usually requires a medical exam for approval.

More expensive than term life insurance.

Coverage is straightforward and easy to understand.

Timely payments must be made to keep coverage active.
-----------------------------
Estate protection. If your estate’s value exceeds the current estate
tax exemption, separating the value of your life insurance from
your assets may help preserve your legacy.
Who Should Buy Annuities?

Once you take full advantage of your accounts with tax advantages like
IRAs and 401(k)s, then it's time to consider an annuity investment.

Remember that an IRA or 401(k) has the same tax advantages, but they
don't incur as many fees.

When you're ready to sign a contract with an insurance company and
commit to the monthly payments, then an annuity is right for you.

There are complexities involved with annuities, so be sure the insurance
agent or your financial advisor can explain an annuity in detail as well as
provide you with information regarding the highest paying annuity.
Be Aware of Withdrawal Penalties

When investing in an annuity, it’s essential to understand the fees associated
with them.

If you decide to withdraw funds from your annuity before you turn age 59.5,
then you'll experience a penalty.

The withdraw penalty retrieving funds early is 10 percent as well as additional
income taxes.

There is also a surrender penalty that is based on the number of years since
the annuity's purchase, instead of the person's age.
Remember, there are different kind of annuities...
Insurance coverage: Immediate Annuities, Income Annuities,
Deferred Annuities, Fixed Annuities, Indexed Annuities,
variable annuity, {SPIA} Single Premium Immediate Annuity   
etc..
SPIA = A single premium immediate annuity can be a
fixed annuity or a variable annuity. With a single premium immediate fixed
annuity, the payout is a fixed amount each period.

With a single premium immediate variable annuity, the payout is linked to the
performance of a mutual fund.

Retirement Planning with SPIAs

Fixed SPIAs make retirement planning easier in exactly the same way that
traditional pensions do: they’re predictable.

With such an annuity, you know that you will receive a given amount of
income every year, for the rest of your life — no matter how long you might live.

With a traditional stock and bond portfolio, retirement planning is more of a
guessing game.

SPIAs and Withdrawal Rates

Fixed SPIAs are also helpful because they allow you to retire with less money
than you would need with a typical stock/bond portfolio.

For example, even with the low interest rates that prevail as of this writing,(a
website that provides annuity quotes from various insurance companies), a 65-
year-old male could purchase an annuity paying 5.88% annually
Inflation Risk Of Annuities...

Another important downside of single premium immediate annuities is that
they are exposed to inflation risk.

That is, the amount of income that the annuity pays each year is fixed,
thereby leaving you with a purchasing power that will be eroded over time via
inflation.

It is possible to purchase an annuity with a cost-of-living adjustment (COLA)
each year. But that naturally requires paying a higher initial premium.

Also, the COLA is a fixed percentage (e.g., the income increases by 2%
annually), so you are still exposed to the risk of high inflation eating away at
your purchasing power.
Check Your Insurance Company’s Financial
Strength

Before placing a meaningful portion of your retirement savings in the hands of
an insurance company, it’s important to check that company’s financial
strength.

I’d suggest checking with multiple ratings agencies, such as Standard and
Poor’s, Moody’s, or A.M. Best.

(Note that each of these companies uses a different ratings scale, so it’s
important to look at what each of the ratings actually means.)
Minimizing Your Risk

In short, annuities can be a useful tool for maximizing the amount you can
safely spend per year. But to maximize the likelihood that you’ll receive the
promised payout, it’s important to take the following steps:

  Check the financial strength of the insurance company before purchasing an
annuity.
  Know the limit for guaranty association coverage in your state as well as the
rules accompanying such coverage.
----------------
  Consider diversifying between insurance companies. For instance, if your
state’s guaranty association only provides coverage up to $250,000 and you
want to annuitize $450,000 of your portfolio, consider buying a $225,000
annuity from each of two different insurance companies.
------------
  Before moving from one state to another, be sure to check the guaranty
association coverage in your new state to make sure you’re not putting your
standard of living at risk.
FIA: What Is a Fixed Income Annuity?
Fixed income annuities are the oldest type of annuity contracts that
governments have offered to the public.

Caesar sold annuities, requiring a lump sum payment and promising
yearly returns for citizens.

European governments funded most of the wars of the 17th and 18th
centuries with annuity contributions.
------------
In a fixed annuity, you have the option to make either a lump sum
contribution or a series of contributions to the contract, which in turn
will pay a guaranteed rate of interest for a set period of time. These
instruments resemble CDs in many respects:

Both the principal and interest are guaranteed, and you’ll face a
penalty for early withdrawal. As with all types of annuity contracts,
there is a 10% early withdrawal penalty from the IRS for any
distribution you take before you’re 59 1/2 years old.
------------------
Have you been looking for a way to invest your money
with relatively low risk, but with a higher return than the interest
rates of CDs offered by banks and credit unions?

Look no further than fixed annuities. For decades, fixed annuities
have provided a secure form of savings for millions of conservative
investors on a tax-deferred basis.

They are by far the simplest type of annuity contract and offer all of
the benefits provided by any type of annuity except for the
opportunity for market participation.
NOTE: KNOWLEDGE FINANCIAL GROUP -
KNOWLEDGEFINANCIALGROUP.COM

  Fixed annuities usually mature after anywhere from one year to ten
years.
  In most cases, they will automatically renew at a revised interest rate
unless you withdraw or move the money.
-----------
  Rates of return will depend on current interest rates and reset when
the annuity matures.
-------------
  In some contracts, you’ll get a “teaser rate,” a higher rate that’s only
valid for the first year of the contract term.
--------------
  In other fixed annuities, you’ll start with a lower rate but watch it rise
by a set amount every year until maturity.
--------------

As with all other types of annuities, fixed annuities usually contain a
schedule of declining surrender charges, usually between 7% and
15% – above and beyond the 10% early distribution penalty levied by
the IRS.
This charge gradually decreases by a percent or two each year until it
is gone.

For example, a 12-year fixed annuity contract may charge a 10%
penalty for any funds you take out within a year of purchasing the
contract, a 9% penalty for anything withdrawn in the second year, and
so on until the surrender charge schedule expires completely.

But many contracts let you withdraw anywhere from 10% to 20% of
the value of the contract every year with no penalty, providing some
liquidity.

Additionally, accumulation units are purchased with all payments that
are made into the contract. These units accumulate and grow inside
the contract until it is annuitized.

Annuitization is a single, one-time event that happens in every annuity
contract.
The accumulation units are irrevocably converted into annuity units,
and the contract starts to make payments in some form to the
beneficiary.
Taxation of Fixed Annuities

As long as you don’t withdraw your funds before you turn 59.5, the
cash you invest in a fixed income annuity contract grows tax-
deferred until you start taking distributions.

Once you start collecting, the IRS will tax your payments the same
way they would any other income – and you’ll see it in Box 3 of Form
1099-R.

The tax rate is determined using a formula called the exclusion ratio,
which distinguishes taxable income from tax-free income.

You’ll get your principal back tax-free, but income and growth are
taxable.
Fixed Annuity
Get guaranteed growth and protection for your retirement savings.

A fixed annuity can be a good way to protect a portion of your
retirement savings while earning guaranteed growth year after year.

With the Fixed Annuity FA, there's no need to worry about market
volatility because your savings aren’t exposed to the markets.
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