老师,可以解释一下为啥低利率环境,买life insuranc 会更贵吗,fixed annuity未来给的钱会更少。突然脑子转不过来了,想不明白了 因为利率低,折现率小,PV大,因此life insurance贵 因为利率低,现在购买了fixed annuity,所以利率,因此,即使将来利率上升,利率依然锁定,未来拿的钱相比未来的利率,就会少 添加评论 1 0 ...
life annuity with refund跟period-certain annuity区别在于refund站在的角度是缺口,而不是期限。 对比一下self insurance和annuity,前者没有转移风险。当客户更加厌恶风险、预期寿命长等情况下更应该选择annuity。年金有defer和immediate区别,当预期未来一段时间不需要现金流入就可以选择defer。有fixed和variable区别,当目前...
Fixed Annuities, Immediate Annuities and Life Insurance products for agents only. Interest rates, case designs, commissions, licensing & technical assistance for your risk averse clients.
tontine,tontine insurance- a form of life insurance whereby on the death or default of a participant his share is distributed to the remaining members ordinary life insurance,straight life insurance,whole life insurance- insurance on the life of the insured for a fixed amount at a definite prem...
When it comes to safeguarding your financial future, few financial tools offer the predictability and peace of mind that a fixed annuity provides. […] What is a Fixed Annuity? Life insurance is an essential expense. However, you can avoid overpaying for your life insurance if you take the...
Life Insurance Ensure the financial well-being of your loved ones. Spend more time enjoying life and less time worrying about the future of your beneficiaries. We will guide you to a safe and secure future. Our Story Star Capital Annuity was formed with a single goal in mind: Provide financ...
An annuity is a life insurance product that performs in a different way—the “flipside” of life insurance, if you will. Annunities—especially fixed indexed annuities—are designed to provideyouwith lifetime income and can even provide benefits to others in the event of your death while avoid...
If you can’t choose a life insurance annuity as a beneficiary, you can still use your lump sum payment as a way to earn reliable income. For example, you could buy a fixed annuity, which would earn interest at a guaranteed fixed interest rate. You could also look into other fixed-inco...
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When you’re ready, you can start collecting income payments from the annuity. You can set these payments up over a fixed period or have them guaranteed to last for the rest of your life. For this reason, annuities can be a form of insurance against living too long and running out of ...