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An All-Purpose Variable Income Annuity – Retirement Income Journal
The U. Securities and Exchange Commission has suggested to investors Investor Tips: Variable Annuities that since a tax-qualified retirement plan e. Variable annuities differ from mutual funds in that they provide lifetime income payments and death benefit protection. A plan of regular investing does not assure a profit or protect against loss in a declining market. You should consider your financial ability to continue your purchase throughout periods of fluctuating price levels.
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Lincoln Investment Planning, LLC makes no representation as to the completeness or accuracy of information provided at these sites. Nor is Lincoln Investment Planning, LLC liable for any direct or indirect technical or system issues or consequences arising out of your access to or use of these third-party sites. Toggle navigation. Annuity Basics. Balancing Risk for Older Investors. Financial Records: Save or Shred? What Is an Annuity? One big reason: Taking the buyout and then cashing out the variable annuity can trigger a big fat tax bill, particularly troubling as elected officials are pondering significant tax increases for next year.
Also, assuming a client is healthy and can reasonably expect to live a long time, a variable annuity with lifetime income may be too attractive to give up. King says if a client invested in the annuity to receive a lifetime income stream, there is little else they could invest in to replace the income due to current low interest rates.
You would have to conduct a present value calculation to determine where they could invest to earn the expected income stream.
So skip the buyout offer and stay invested? Not necessarily. Your clients could do a variable annuity tax-free exchange into a new variable annuity.
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This would let the client defer taxes, and still maintain a variable annuity with guaranteed income benefits. Problem: Fees on today's variable annuities are higher than they were 10 years ago, according to Morningstar. Other factors to consider in deciding whether a client should surrender his or her variable annuity for a premium:. Best, and have a good chance of keeping their promises for future income, whether they want to or not. Several insurance companies are following in the footsteps of The Hartford and offering to buyback variable annuities with guaranteed lifetime income.
Should your clients take the cash? TAGS: Insurance. Hide comments.