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Allmerica Variable Annuity

General Information Officers of Allmerica Financial Life Insurance and Annuity Company (AFLIAC) Michael A. Reardon, President and CEO Edward J. Parry III, Chief Financial Officer J. Kendall Huber, Senior Vice President and     General Counsel John P. Kavanaugh, Vice President and     Chief Investment Officer Mark C. McGivney, Vice President and Treasurer Charles F. Cronin, Vice President and Secretary Investment Advisers Allmerica Financial Investment Management Services, Inc. 440 Lincoln Street, Worcester, MA 01653 Investment Sub-Advisers Opus Investment Management, Inc.

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Get More Information About Variable Annuities

An annuity is a long-term, tax-deferred investment designed for retirement that will fluctuate in value. It allows you to create a fixed or variable stream of income through a process called annuitization and also provides a variable rate of return based on the performance of the underlying investments. But, as with most things in life, an annuity does have limitations. If you decide to take your money out early, you may face fees called surrender charges. Plus, if you're not yet age 59½, you may also have to pay an additional 10% tax penalty on top of ordinary income taxes.

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Indexed Annuities Vs. Variable Annuities

An annuity is a retirement savings vehicle, which grows tax-deferred. Besides fixed annuities, ones that credit your account with interest, similar to a CD, there are variable annuities, ones you invest money in mutual funds called sub accounts and indexed annuities. Indexed annuities give you a percentage of the returns of a particular index, such as the S&P 500. Then the company credits your account with the gain or a guaranteed minimum percentage. In a variable annuity you can switch the way you invest your funds. You have the option of putting your money into several different types of funds such as large cap stocks, foreign stocks, bonds and money market instruments.

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Variable Annuities Home

Polaris Variable Annuity:A Versatile Investment for Your Retirement A Polaris Variable Annuity is a long-term investment that combines growth potential, protection features for your family and optional retirement income choices. Polaris is designed to help you address today’s most challenging planning needs—while you’re building assets in the accumulation phase and when you are ready to draw on those assets during the income phase. Polaris offers a combination of benefits not typically found in other types of investments. Ask your financial advisor how a Polaris variable annuity can be an important part of your overall long-term financial plan.

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Variable deferred annuities

Variable deferred annuities offer the ability to invest your contributions in variable investment options, which may make them a good fit if you’re looking for market participation. How variable deferred annuities work When you purchase a variable deferred annuity, you have a diverse array of investment options available, each with varying levels of market risk and investment objectives. You can choose an investment profile that matches your investment style and risk tolerance. A financial advisor can help you determine which options are suited to help you meet your financial goals.

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10 Things You Should Know About Buying Fixed Deferred Annuities

What is an Annuity? An annuity is a contract in which an insurance company makes a series of income payments at regular intervals in return for a premium or premiums you have paid. Annuities are often bought for future retirement income. Only an annuity can pay an income that can be guaranteed to last as long as you live. Your money grows tax-deferred as long as you leave it in the annuity. Examine Different Kinds of Annuities The most common types of annuities are: single or multiple premiums, immediate or deferred and fixed or variable. For a single premium contract, you pay the insurance company only one payment, whereas you make a series of payments for a multiple premium.

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Variable Annuities: What You Should Know

Variable annuities have become a part of the retirement and investment plans of many Americans. Before you buy a variable annuity, you should know some of the basics – and be prepared to ask your insurance agent, broker, financial planner, or other financial professional lots of questions about whether a variable annuity is right for you. This is a general description of variable annuities – what they are, how they work, and the charges you will pay. Before buying any variable annuity, however, you should find out about the particular annuity you are considering.

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Transamerica life insurance login

Transamerica life insurance login Products; About Us; Contact; Search; Login. Existing Customer Login are offered or issued by. Login section of Transamerica where financial professionals can sign in to are offered or issue. Please login to access your account. issued by Transamerica Life Insurance Company, Cedar Rapid. Company creates customized retirement plan solutions designed to fit the growing business needs of. Insurance products and services are offered or issued by Transamerica Life Insurance Company1, Ceda. Transamerica login and bill pay links, customer care, service, support and contact info.

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Future Value of Annuity Due

The future value of annuity due formula is used to calculate the ending value of a series of payments or cash flows where the first payment is received immediately. The first cash flow received immediately is what distinguishes an annuity due from an ordinary annuity. An annuity due is sometimes referred to as an immediate annuity. The future value of annuity due formula calculates the value at a future date. The use of the future value of annuity due formula in real situations is different than that of the present value for an annuity due. For example, suppose that an individual or company wants to buy an annuity from someone and the first payment is received today.

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Formula for the Life of an Annuity With Payouts

Annuities are useful tools for a variety of investing and saving scenarios, but understanding how they work and how much they will pay can be challenging. The present value of an annuity, according to the website AccountingCoach, is "Future amounts that have been discounted to the present. " You may also calculate the future value of an annuity, however, to determine its worth as it pays out over time. An annuity is a financial product that delivers a series of payment at fixed intervals for a period of time. Annuities last for a set number of years or until the owner, known as an annuitant, is no longer living.

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