Annuities can be a source of prudent accumulation and or distribution financial portfolio.*
Below are topics relating to concerns for retirement planning needs within safety-nets,
"Annuity awareness low...": According to this Fidelity Investment's survey together with Huda's, it's extremely low even among those financial professionals who think know annuities
"International private placement life insurance": [Excellent insight, yet the author seems to be unaware (?) about "insurance counselors". They're about the only independent professionals who can legally offer financial insurance portfolio advice. This includes variable annuities and life policies. Typical financial brokers, attorneys and even sales oriented insurance agents are not licensed to offer "insurance advice" unless they are licensed "life and health insurance counselors".]
Case Study 3: "Bear Market Retirement" [Here's an example of fixed annuity owners expressing the peace of mind they enjoy knowing their principal is safe from negatively-compounding effects.]
""STATE REGULATORS: AIG INSURERS. ABLE TO PAY CLAIMS. State Solvency Standards Protect Policyholders. ...The insurance subsidiaries are solvent and able to pay their obligations. In fact, it will likely be the insurance subsidiaries - or their valuable blocks of business and high- quality assets - that will be sold in an attempt to return the AIG parent company to a more stable financial position....""
There are many different types of annuities. Powerful ANNUITy concepts can be wrapped within the income-based cash value life insurance policies, or even wrapped with long term care related benefits with additional tax-favors, combination thereof, and as a stand alone as income and or CD-annuities. CD-annuities can build liquidity as any cash accounts. The right one(s) depends on your overall and specific needs as well as your eligibility and or the availability of the product(s) to you. Consult with your insurance counselor to learn more.
*Note: According to Texas Department of Insurance only licensed life and health insurance counselors can offer independent insurance - guaranteed safety-net related - portfolio counseling services.
Huda is a licensed life and health insurance counselor. Do not rely on the insight of non-insurance licensed individuals for guaranteed and safety-net guidance within financial and health care risk-aversion industry. We encourage you to contact qualified and well rounded professionals who represent multiple top rated carriers to learn the real power of guaranteed safety-nets that may be available to you within the life and health insurance industry. Here, we have provided you enough stepping stones to hopefully awaken your conscious and desire to learn more. You must continue to believe and search until you find the information to your satisfaction. If you can imagine it, there is probably someone else who have already built the arc or at least a stepping stone towards It, or you might just be the missing spark needed for its completion.