Motley Fool  Sep 27  Comment 
This feature of annuities draws the most scorn, but there are ways around it for those who want.
The Hindu Business Line  Sep 26  Comment 
Annuity plans are for investors who value certainty over all other factors
Motley Fool  Sep 22  Comment 
Insurance regulations make it harder to get annuity rates than a typical CD.
Motley Fool  Sep 21  Comment 
Annuities often have a longer list of fees and expenses than other investments.
Motley Fool  Sep 18  Comment 
Fixed annuities are often sold for their income, but they're completely different animals.
Motley Fool  Sep 15  Comment 
Knowing what hybrid annuities are should be your first step before you buy.
Motley Fool  Sep 14  Comment 
If you're in these groups, you should take a closer look at this valuable insurance product.
MarketWatch  Sep 14  Comment 
If you think you might live past 90, consider investing in a qualifying longevity annuity contract, QLAC for short.
Motley Fool  Sep 13  Comment 
Focusing on the insurance value of annuities can lead to some attractive results.
Forbes  Sep 10  Comment 
With an aging population and a declining portion of Americans who are covered by a pension, the annuity market should be stepping in to fill the gap. But the reality is much different. Luckily, technology is making annuities easier for insurers to...


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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