State Regulations of Annuities

Most types of annuities are governed by a comprehensive state regulatory framework. The primary reason is that all life insurance companies, and all agents and brokers who sell annuities, must have a life insurance license issued by their state of residence. State laws govern the licensing of insurance companies, and state insurance departments oversee insurance company operations.
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Annuities vs. Bonds & Fixed Income Investments

In today’s economic climate with money market funds yielding next to nothing, constant fear of inflation and concern over government spending is making retirement planning even more complicated. This fear over dwindling returns with safe secure money should be a primary concern for any retiree or person with limited resources. This rings even truer if maintaining a current lifestyle is an important goal. In times like these, many planners are turning to the bond market but are there better alternatives?

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Choosing the Right Annuity

In its simplest definition, an annuity is an amount payable annually. There are, however, many types of annuities, giving you the ability to choose an annuity that is tailored to your specific financial situation and/or retirement goals. While we strongly suggest you discuss your options with a financial professional, here is a basic overview of the options you have:

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