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	<title>New answer on: Which Annuity Is Best For Me?</title>

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		<title>By: David Racich</title>

		<link>http://insurancelibrary.com/annuities/which-annuity-is-best-for-me</link>

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

		<pubDate>Wed, 24 Jul 2013 20:01:36 +0000</pubDate>

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		<description><![CDATA[There are two basic types of annuities: single premium immediate annuities (SPIA) and tax deferred annuities. If you’re financially conservative and looking for immediate income now, SPIAs are a consideration. If you’re in a high tax bracket and you’re looking at tax deferral feature of annuities, then you have three crediting methods to consider: interest rate crediting, indexed crediting and separate sub account crediting. You need to establish your risk tolerance to determine which crediting method is right for you.
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