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	<title>New answer on: What Do I Need To Know About Annuities?</title>

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		<title>By: David Racich</title>

		<link>http://insurancelibrary.com/annuities/what-do-i-need-to-know-about-annuities</link>

		<dc:creator>David Racich</dc:creator>

		<pubDate>Tue, 09 Jul 2013 17:32:52 +0000</pubDate>

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		<description><![CDATA[Non-qualified annuities accumulate tax deferred and have three crediting methods: fixed interest rate crediting, indice crediting or fixed interest rate crediting, indice crediting or separate subaccounts using equity and bond instruments. You can access annuities through withdrawals, which may have surrender charges, or fixed payment schedule like 10 or 20 years certain or annuitization. All gain is subject to ordinary income tax. A personal financial profile needs to be conducted, including risk tolerance assessment to determine product suitability.
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