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American Equity
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Fore Thought
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North American
Old Mutual Financial Network
Transamerica
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News

Dec 30, 2010

Most people opting to get Guaranteed income from Annuities

Category: General

Posted by: admin

This article is regarding the U.K. (England & Scotland) market. Even though the content is for the U.K., people around the world are the same with their goals, view points, desires and what they want in life, financial security.

Experts in the pension industry said that plans to change the pension rules in order to give investors more freedom over how they spend their savings for retirement might be equivalent to an enormous tax cut for the rich.

The Treasury recently announced that it would end a law requiring pensioners to buy an annuity for when they reach the age of 75. Annuities are financial products that are sold by insurance companies. When purchased, they promise a steady source of income until death.

Since pensioners will no longer be required to buy an annuity with their pension, they will be able to invest the money elsewhere. The new rule only applies to those with a pension offering more than 20,000 pounds a year. This prevents people from spending away their pension and relying on the state pension.

Few people will be able to take advantage of this change in the laws. About 1% of people who are in their retirement age, or 50,000 citizens, will have this option. Currently, savings that are not annuitized are taxed 82%, while they will now be taxed between 20% and 55%.

Experts say that the change is regressive and will not benefit the vast majority of people who have a pension will not be able to opt out of annuity schemes if they choose to do so. This amounts to a massive tax cut for the wealthy that is funded by increased taxes on the less fortunate.

The people who will be most likely to take advantage of the change in laws will be pensioners who already have a very large guaranteed pension income. In some circumstances, the additional flexibility will allow people to make investments that could prove very lucrative, but only if they have resources far beyond their needs. It might allow for additional tax planning, but only if you are very wealthy.

Several experts say that most people will still take annuities, because of the fact that they offer guaranteed income.

Mar 23, 2010

IRS Mandatory IRA withdrawals return

Category: General

Posted by: admin

You can't take it with you, and that definitely pleases the Internal Revenue Service. But the tax collector doesn't want you to leave a lot of your money to heirs, either. This forces senior citizens to dip into their nest eggs each year or pay additional taxes.

When you turn 70½ you must begin taking money from your tax-deferred retirement accounts, such as a traditional IRA, workplace 401(k) or self-employed retirement plans.

It's no secret why the IRS wants you to start drawing down these accounts. Your money sat in the account for years, tantalizingly out of reach of the IRS as it accrued tax-deferred earnings.

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Contact us for a customized annuity quote for your personal situaiton

Get a Fixed Annuity provides the following types of annuities:

Fixed
Equity Indexed Annuities
Deferred Fixed Annuities
Deferred Equity Indexed Annuities
SPIA (Single Premium Immediate Annuity) Immediate Income (with-in 12 months)
Income for Life with a Period certain (5 YR's up to 15 YR's certain period) - used for Retirement & Estate planning

Our experts can custom tailer your estate planning needs and retirement needs.

You may not have considered using an annuity for estate planning coupled with a customized life insurance product for your overall estate planning purposes.
You may also consider an annuity coupled with Long Term Care Insurance.

Our Fixed and equity indexed annuities have a Guaranteed Minimum Return per annum with a Guarantee No Loss of principle.

GUARANTEE NO LOSS OF PRINCIPLE! (No risk to principal funds) - Never loose any prinicple funds!
Guaranteed Minimum Return that beats CD rates with the potential of getting market returns, ALL Upside potential with no risk of any loss!
Licensed & Insured products, backed by each states department of insurance that guarantees principle no matter what
Issued by a Legal Reserve Life Insurance Company with an A.M. Best rating of “A” or greater.
Allows you to take guaranteed income that you can't outlive. "Income Benefit Rider" you are guaranteed to receive income for as long as you live, even if your account balance goes to zero.
Provides peace of mind that you cannot get by any other investments.
No Upfront Fee's!
No Management Fee's,
Bonus Money (Funds) added to your account on some products on day 1 (one) when you roll-over funds.
Some of our carriers with certain products have a Bonus up to 10% of the amount of money that is rolled over.
Tax–deferred earnings accumulation - You are NOT Taxed on the growth of your Earnings / the growth of the account!

Are you TIRED of Banks Ripping you off with Low Interest Rates?

Beats Bank CD Rates Every time, the national average interest rate that Banks pay you is 1.7% on a CD, according to www.Bankrate.com.
We Guarantee a Minimum of 3% per Annum, ome carriers have products with a minimum rate of 6%, with actual performance greater. Each product is different and terms vary depending on the
Have the option to have monthly income or grow your money for the long term or both.
Accumulates each additional year.
Make sure your money is safe & secure
We structure Annuities based on your personal needs.
Fixed annuities / equity indexed annuities are essentially CD-like investments issued by insurance companies. Like CDs, they pay guaranteed rates of interest, in many cases higher than bank CDs.

Click Here to Contact me, I want to have an agent contact me about an Annuity

If you currently have any of the following:

An annuity that you would like to move into a better performing annuity,
CD - (Low interest & subject to taxes on the interest each year & the national average return is:)
401-K (subject to losses)
Roth-IRA (subject to losses)
Money Market Account (Low interest & subject to taxes each year)
Stocks (Volatile, subject to market losses & annual capital gains)
Cash (Not gaining interest),

THEN IT'S TIME TO GET A FIXED ANNUITY / EQUITY INDEXED ANNUITY!

IRA, 401-K, Mutual Fund, Money Market Account, Stock portfolio

Are you worried the stock market is going to go down or plummet? It's not just a worry, but rather the inevitable question of when. Just as taxes will increase with the amount of debt that has been placed by those in Washington, the teeter totter of taxes increasing, markets will react in simultaneous in a teeter totter manner of going down and interest rates increasing upwards. As this happens, the US Dollar will weaken, the stock market will trend downward & our economy will struggle.

Have you had a Variable Annuity and you need a more secure product?

Are you TIRED of Losing Money in your retirement / Investment account(s)?

Then a fixed annuity &/or an equity indexed annuity is for you.

Fixed annuities & equity indexed annuities can be deferred or immediate payments.

The deferred Annuities accumulate regular rates of interest and the immediate kind make fixed payments; both are determined by your age and the dollar amount (size of your annuity).

Our fixed annuities & equity indexed annuities have a guaranteed no loss of principle, with a guaranteed interest rate on the funds.

The convenience and predictability of a set payout makes a fixed annuity a popular option for retirees who want a known income stream to supplement their other retirement income.

We work multiple carriers to get the best solution for each individual based on their needs.

We care about your needs and getting the right solution for you.

The carriers we use are the highest rated and best annuity products available in the market today.

We also provide life insurance, including: Term Life Insurance, universal life & whole (permanent life insurance).

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