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fixed rate annuity

The positive growth that is guaranteed through the conservative nature of a fixed annuity is born out of an interest rate that remains constant throughout the designated time frame. Once the agreed upon timeframe ends, another one is established with a new interest rate that better reflects the current state of the market. Although the interest rate might vary slightly throughout fixed annuity timeframe, it still guarantees more of a return than a variable. Fixed plans offer fewer features and side investment vehicles than a variable annuity, however their fees are also much lower.

Another benefit of a fixed annuity is the fact that its death benefit is immediately passed on to your designated beneficiaries following the unfortunate occurrence of the policyholder's death. Standard protocol with death benefits is that they go through probate in which it is verified that the beneficiaries were in fact designated by the policyholder. (This can be an uncomfortable process following the death of a loved one)

So why should you consider investing in an annuity? Some of the benefits associated with purchasing annuities include:

Untaxed gains = faster growth.
Source of retirement income.
Switch between investments within annuity tax-free.
You choose how much to contribute during accumulation.

Continue your research by checking out GUARANTEED ANNUITY

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