Which Annuity Is Best For Me?

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   David RacichPRO

   Fountain Hills, Arizona

   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.
    

   Answered on July 24, 2013

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