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Variable Annuities

Retirement is a new beginning with many exciting possibilities, but there are also many unanswered questions and challenges. At RiverSource Annuities, we understand that to live the life you envision, you need a financial solution to help put a more confident retirement within reach. What challenges will you face? How many years will you live in retirement? How much money can you safely spend? How will the ups and downs of the market impact your investing strategy? RiverSource®variable annuities can help you address these challenges with more confidence and help you build your retirement portfolio.

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7 Best Annuities to Guarantee Income for Life

By Kathy Kristof - feature MoneyWatch December 8, 2009, 3:00 AM senior working wide thumb Comment Share Tweet Stumble Email You probably don't lie awake at night worrying that you'll live too long. But maybe you should. The biggest financial risk retirees face isn't volatile investment returns — it's longevity. Will your money last as long as you do? In a world of increasing life spans, disappearing pensions, and crashing markets, immediate annuities almost look sexy. An immediate annuity is an insurance policy against a man-made disaster: that you run out of cash.

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Annuity Calculator, Fixed Annuity Calculator, Lifetime Annuity Calculator

Use this calculator to determine regular payouts for immediate annuities. Immediate annuities begin to pay out within a year of the purchase date, continuing until the initial investment + interest is exhausted. Not investing in immediate annuities? See our Deferred Annuity Calculator. » Get Actual Quotes for Immediate Annuities *Results shown are estimates only and should not be confused with actual product performance. We make no guarantees that results on this page correlate to actual products. Purchasing an annuity is a big decision. Online research is a good start, but prudent investors should discuss all their options and risks with an independent financial advisor.

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What's a GMIB?

Variable annuities come with a host of optional features that you can select for an additional annual fee. One common and very popular type of variable annuity feature is the guaranteed minimum income benefit, also known as a GMIB. The GMIB is exactly what the name implies — a guaranteed minimum level of annuity payments by the insurance company, regardless of the performance of your annuity. For example: suppose you were to invest $250,000 in an annuity with a GMIB that guarantees the greater of a) the actual value, b) 6% interest compounded annually, or c) the highest contract anniversary value of the annuity.

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Annuity Applications: List of annuity applications

Get a free Annuity Quote! Visit us at www. LifeAnnuities. com or call us Toll Free 877-842-3863. DOWNLOAD INSTRUCTIONS:If clicking on the link doesn’t open the application in your browser — which takes a few seconds, depending on the speed of your connection –  right click the link and choose “Save As” (on a PC) or Control-click (on a Mac) and choose “Save Link As”.   Then double click the file you have downloaded.   Assumption Life Annuity Application Assumption Life Application size: 176 KB No. of pages: 3 File type: pdf   BMO Insurance Annuity Application BMO Insurance Application size: 64 KB No.

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Aviva UK

29 Aug 2007 Project to result in $135-150 million initial investment and hundreds of new jobs contingent on state and local approvalsAviva USA, the US unit of London-based Aviva plc, the world's fifth largest insurance group, announced today that it has entered into an agreement to acquire 71 acres of undeveloped land in West Des Moines, Iowa as the potential site for its new US headquarters facility. The project is contingent upon successful completion of the development process and receipt of state and local approvals. Assuming requisite approvals are received, Aviva USA will consolidate its operations from the company's three current locations in downtown Des Moines to the new West Des Moines site in early 2010.

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Annuities Overview

Annuity products are long-term investments designed for retirement purposes. Product availability and features may vary by state. MetLife variable annuities are offered by prospectus only, which is available from your financial professional. The contract prospectus contains information about the contract’s features, risks, charges and expenses. Investors should consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. The investment objectives, risks and policies of the investment options, as well as other information about the investment options, are described in their respective prospectuses.

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Individual Pension Arrangement - Sagicor Group Jamaica

OUR PENSIONS PRODUCTS US DOLLAR LINKED ANNUITIES We offer the facility to pay Jamaican dollar pensions in line with the US dollar exchange rate. APPROVED RETIREMENT SCHEMES (ARS) What is the Sagicor Lifestyle? Sagicor Lifestyle is an Approved Retirement Scheme, wherein each participant’s contributions accumulate (subject to the prevailing income tax limits) until retirement. The accumulated funds will be used to provide lifetime income e. g. purchase an annuity which pays a monthly income at the specified retirement age or at the point of permanent disability, if earlier.

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Secondary Market Annuities (SMAs)

+New to SMAs? Click to Read Our Tutorial FAQs A Secondary Market Annuity (also called an 'SMA') refers to a transaction in which the current owner of an income annuity sells his future income steam to a third-party in exchange for a lump-sum payment. Annuity income streams most commonly originate from lawsuit settlements, lottery winnings, or immediate annuities. Q. Why are the interest rates on secondary market annuities so high? The yields on a secondary market annuity are often higher than the interest rates on an immediate annuity because the current owner of the secondary market annuity is willing to sell his income stream at a discount to receive quick cash today.

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Annuity

An annuity is a contractual 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. The period of time when an annuity is being funded and before payouts begin is referred to as the accumulation phase. Once payments commence, the contract is in the annuitization phase. BREAKING DOWN 'Annuity' Annuities were designed to be a reliable means of securing a steady cash flow for an individual during their retirement years and to alleviate fears of longevity risk, or outliving one's assets.

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