Financial Times  Aug 1  Comment 
Insurance group withdraws “extremely misleading” comments in which it claimed another company was to blame for wrongly selling an annuity
The Hindu Business Line  Jul 8  Comment 
Can vary the annuity rates by 10% without taking prior approval of the regulator
DailyFinance  Jul 8  Comment 
Filed under: Early Retirement, Retirement Plans, Annuities, Planning, Financial Education Alamy Pensions from private employers are increasingly uncommon. Among Fortune 1000 companies, a 2014 report from Towers Watson reveals, 35 percent offer a...
MarketWatch  Jun 24  Comment 
Annuities are powerful tools that should be seriously considered as part of anyone’s retirement plan.
Motley Fool  Jun 14  Comment 
These annuities have gotten more popular, but do they fit your financial needs? Find out here.
Insurance Journal  Jun 12  Comment 
Swiss Re’s Admin Re® unit has agreed to acquire individual and group pension and related annuity policies from HSBC Life (UK) Limited. Swiss Re said the “transaction demonstrates Swiss Re’s commitment to executing on its Admin Re® strategy...
The Hindu Business Line  Jun 8  Comment 
To make the most of annuities, you need to know what repayment option suits you best
Forbes  Jun 5  Comment 
Some financial talking heads, like Suze Orman, pontificate about annuities and would have you believe they are all bad, for all people.  This is complete nonsense.  Nor are they a good idea for all people.  Like any investment, before you put...


A financial product sold by financial institutions that is designed to accept and grow funds from an individual and then, upon annuitization, pay out a stream of payments to the individual at a later point in time. Annuities are primarily used as a means of securing a steady cash flow for an individual during their retirement years.

Annuities can be structured according to a wide array of details and factors, such as the duration of time that payments from the annuity can be guaranteed to continue. Annuities can be created so that, upon annuitization, payments will continue so long as either the annuitant or their spouse is alive. Alternatively, annuities can be structured to pay out funds for a fixed amount of time, such as 20 years, regardless of how long the annuitant lives.

Annuities can be structured to provide fixed periodic payments to the annuitant or variable payments. The intent of variable annuities is to allow the annuitant to receive greater payments if investments of the annuity fund do well and smaller payments if its investments do poorly. This provides for a less stable cash flow than a fixed annuity, but allows the annuitant to reap the benefits of strong returns from their fund's investments.

The different ways in which annuities can be structured provide individuals seeking annuities the flexibility to construct an annuity contract that will best meet their needs.

All annuities have a free look period, a death benefit, guarantees, and annuitization options. Most have surrender periods.

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