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Immediate Annuity Helps Embrace Retirement with Welcoming Arms

By: MikeAnderson

Are you financially secured to welcome your retirement with open arms? Well, the enhanced living condition in today’s age might have led many of you to contemplate over this particular thought. The pension amount received in the present generation often falls short to live up to the expectations of a standard living condition. Therefore, what stands as a potential solution to this cropping situation in the lives of most retired or elderly individuals? Certainly, Annuity, as an investment solution seems to come across as the best solution. Add a little twist to the tale and you have Immediate Annuity posing as the closest guide to your financial savings.

The next probable question that should come to your mind is what differentiates an Annuity from an Immediate Annuity?

Well, let me explain, an Immediate Annuity refers to an insurance policy that revolves around the principle factor of exchanging a sum of money for a series of payments. In this scheme, the insured is required to offer a certain sum of money in exchange of which the insurer makes a series of payments to the insured. This payment may either be for a periodic or fixed term of years.

However, this particular Annuity scheme in no terms should be confused with the deferred plan. This scheme rather works on the line of converting a minimum portion of your retirement funds into a steady stream of income. This scheme revolves on the principal of purchasing the investment plan in a way similar to buying a monthly check. The monthly payments usually, start within 30 days of finalizing the scheme or signing the agreement.

An Immediate Annuity is often referred on the lines of do-it-yourself pension. This particular scheme, which is often synonymously named with retirement annuities, carries some significant advantages. Here is a look at the highpoints of this investment plan -

Simple Investments – the investment that involves financial planning is termed simple than the others in comparison.

Steady Life Payment – it ensures a steady payment throughout your life, you do not need to worry about financial crunches during your retirement. It is like a steady companion during your elderly years.

Tax-efficient Scheme – these requires you to use a tax-deferred vehicle to fund your money. In such a case, you only have to pay taxes on your monthly checks and not on the entire amount of your funding.

Low-risk Plans – the plan is usually considered to offer financial security to the provider. These funds are guaranteed by the insurer and does not fall prey to the variability’s of the financial market.

Well, shopping for immediate annuity too comes without much hassle. All, you need to do is compare the monthly income that is offered by the different insurance companies against your lump sum amount. Always make sure that you are comparing and calculating keeping in mind the annuity features. In addition, also carry a good background research of the insurance company and ensure the safety of the same towards providing you a guaranteed income. Make sure that the company has an AAA rating from the insurance rating agencies.

Article Source: http://www.moneyarticlelibrary.com

Mike Anderson is a business consultant who has good information on immediate annuity and annuity. For more information visit www.totalreturnannuities.com/


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