Annuity | Self Directed IRA LLC | Self Directed 401k | Business Funding | Leveraged Retirement | Structured Settlements | Real Estate | Foreign Real Estate

Will Buying an Annuity Provide Stable Benefits?

For conservative consumers, pre-owned annuities can’t be beaten. Since the money inside these products are invested by large-well rated insurance carriers you’ll find that these monies are often found in government securities and high-grade corporate bonds with strong interest rates. That stability means above average returns when compared to the fixed income portion of your portfolio.

A transferred structured settlement is when you, the Buyer, receive the rights to fixed annuity payments in exchange for a lump sum payment to an individual who is the original existing annuitant. By purchasing an individual’s right to receive payments, you receive high yield returns while the existing annuitant enjoys the benefits of having cash now.

A fixed term annuities can provide above average returns for the fixed income portion of a balanced portfolio. Since they guarantee you a payment stream over a fixed period of time at a fixed rate of return, this investment is generally considered to be a good vehicle for “safe money” savings. Insurance companies invest the funds primarily in government securities and high-grade corporate bonds, which provide guaranteed interest rates.

Individuals involved in legal claims for personal injury often accept a structured settlement in which they receive regular, fixed payments over several years.

When they need to convert a portion of their guaranteed income stream into cash they can petition the court for permission to assign their rights to their future annuity payments at a discount. We offer the payment rights to these annuities. Payments are paid directly to you by a U.S. based insurance company with a credit rating that is generally AAA to a rated by Standard & Poor’s.

The rate of return is determined by several factors including current market conditions, payment term, carrier rating, and buyer acceptance. Since these annuities are pre-owned, certain attributes are already fixed and cannot be changed (the settlement must be executed in accordance with the court’s wishes in order for it to retain its tax-advantaged status). In return, these products come with higher rates of interest.

If an Annuity is of interest to you, and if you need advisory services at no fee, call us, we are happy to help you.