LYCOS RETRIEVER 
Annuities: Variable Annuities
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Annuities, and especially variable annuities, have been a huge target of the mass media and regulator authorities lately; is this justified? The answer is complex. On one hand, yes, it is justified as there are many sales practice abuses. On the other hand, no, it is not justified. Annuities have their place but are not for everyone. There are risks and restrictions that apply to annuities that make them unsuitable for some investors.
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Annuitiesnet is a niche search engine site exclusive to the variable annuities and related investment industry. You are provided a qualified multiple resource base to easily access relevant financial services information. below and click the "search" button. EXAMPLE.
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Annuities are issued by The Guardian Insurance & Annuity Company, Inc. (GIAC) a Delaware corporation. Variable annuities are distributed by Guardian Investor Services LLC (GIS). GIAC and GIS are located at 7 Hanover Square, NY, NY 10004. GIAC and GlS are wholly owned subsidiaries of The Guardian Life Insurance Company of America, New York, NY. (800) 221-3253.
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Variable Annuities now offer a Guaranteed Minimum Withdrawal Benefit which allows you to earn 5% or 6% even if the market drops significantly. Undoubtedly, you will be pitched a variable annuity or pressured to transfer your existing one into a new contract with this benefit. Should you? Read on to uncover the truth behind this feature and see if it’s right for you.
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Annuities allow you to build a large retirement savings account by gaining earnings through tax-deferred investing. Once you are ready to withdraw on your savings you will have a number of options for receiving income. You may choose to annuitize your income (converting your savings into a steady income stream), or choose a variable annuity which guarantees your principal ... known as guaranteed death benefit. Here are the different options and definitions that annuities offer.
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*Annuities are known for offering a variety of attractive features. With money that is not tax-qualified, one of the attractive features is tax deferral. However, tax-qualified retirement plans (like IRAs, TSAs and SEPs) already provide tax deferral under the Internal Revenue code, so the tax deferral of an annuity does not provide any additional benefits. Also, variable annuities are subject to additional fees to which other tax-qualified plan funding vehicle may not be subject.
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Variable Annuities