insuranceglobe.net » Annuity Rates http://insuranceglobe.net/learning_center Wed, 11 Aug 2010 02:58:16 +0000 http://wordpress.org/?v=2.9.2 en hourly 1 Fixed Income Annuity Rates http://insuranceglobe.net/learning_center/fixed-income-annuity-rates/ http://insuranceglobe.net/learning_center/fixed-income-annuity-rates/#comments Tue, 21 Apr 2009 00:41:00 +0000 Admin http://insuranceglobe.net/learning_center/?p=225  

Fixed Annuity Rates

        CD Type Annuity Rates         As of February 7th, 2010
                   Protective Life ProSaver Platinum 10 10 yr 4.05%   American General Life HorizonChoice 9 9 yr 3.85%   American General Life HorizonChoice 8 8 yr 3.80%   OM Life Insurance Company OMGuarantee Platinum 7
 7 yr 4.00%   Midland National Life
 MNL Guarantee Ultimate 6
 6 yr 3.50%   Midland National Life MNL Guarantee Ultimate 5 5 yr 3.65%   Midland National Life MNL Guarantee Ultimate 4 4 yr 2.75%   OM Financial Life Insurance Company  OMGuarantee-Platinum 3 3 yr 2.70%   Allianz Life Dominator Select 2 2 yr 1.65%   Allianz Life Dominator Select 1 (100k) 1 yr 1.60%          

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]]> http://insuranceglobe.net/learning_center/fixed-income-annuity-rates/feed/ 0 Fixed Annuities VS CD’s http://insuranceglobe.net/learning_center/fixed-annuities-vs-cds/ http://insuranceglobe.net/learning_center/fixed-annuities-vs-cds/#comments Fri, 27 Mar 2009 02:10:10 +0000 Admin http://insuranceglobe.net/learning_center/?p=133 This is a very handy chart to compare the features and benefits of fixed annuities vs CD’s.

CERTIFICATES OF DEPOSIT (CD’s) VS. MULTI-YEAR GUARANTY FIXED ANNUITIES
CERTIFICATE OF DEPOSIT FEATURES FIXED ANNUITY COMMENTS
Yes Guaranty of Principal? / Safe? Yes Both are “safe money” instruments.
Yes Monthly Interest Income? Yes* Monthly Income is typically available with both.
Yes Surrender Charges? Yes Annuities only apply surrender charges to amounts in excess of penalty free withdrawals. If you touch “a penny” of your CD, you may be subject to a penalty on the entire deposit.
No** Tax-Deferral if you Choose? Yes Eliminate current income and restart if later needed-when you want. You choose when to pay taxes-not Uncle Sam.
No Lifetime Income if you Choose Yes Create an income you cannot outlive-only if you choose.
No Bypass of Probate? Yes Avoid the time, publicity and expense of probate.
No Protection from Creditors? Yes*** Annuities and life insurance are the only financial vehicles protedted from creditor claims.
No Penalty Free Withdrawals? Yes Access a portion of your account value each year with NO penalty, typically after the first year.
No Nursing Home Waiver? Yes* surrender charges are waived on a portion of your annuity if you are confined to a nursing home.
No Terminal Illness Waiver? Yes* Surrender charges are waived on a portion of your annuity if you are diagnosed as terminally ill.
No Ability to Control Distributions to your heirs, after death? Yes You can choose to have the proceeds from your annuity paid to your heirs in a lump sum or as an income over a period of time. Different selections can be made for each beneficiary.
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