General American Annuities

American General Life Companies October 8, 2009 Bulletin 09 ...
COMPLIANCEUPDATE American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including ... Document Viewer

Goldman Playing Cowboy In Chile Seen Luring U.S. Copycats
Goldman Sachs Group Inc. (GS) ’s plan to sell bonds with a maturity of up to 50 years in Chile may pave the way for more offerings from U.S. companies. ... Read News

Annuity Class Action Litigation—Trends And Strategies For ...
Annuities, including sales of annuities to senior citizens. Examples include examinations of: 2007, California’s attorney general announced a settlement with American Investors Life Insurance Company, Family First Insurance Services, and ... View Full Source

Retirement Planning: Get The Right Professional Help
It makes sense that you might need professional help to plan a secure retirement, but make sure you hire the right people ... Read News

Is The AIG Global Index Annuity Series Right For Your Client ...
Annuities issued by: American General Life Insurance Company A member company of American International Group, Inc. (AIG) 2727-A Allen Parkway, Houston, Texas 77019 Single-Premium Deferred Annuity Contract Number 07109 (AIG Global Bonus IndexSM) ... Read Content

Savings2Income Offers Personal Retirement Savings Advice For Overcoming Today’s Troubling Economic Situation
In response to The Washington Post’s article on the “fiscal trouble” facing future retirees, Savings2Income offers personal retirement savings advice to allay people’s concerns. (PRWeb March 04, 2013) Read the full story at http://www.prweb.com/releases/2013/3/prweb10485287.htm ... Read News

Variable - NH.gov - The Official Web Site Of New Hampshire ...
Variable annuities naic# group domicile company name address city state zip exclusions 60488 12 tx american general life insurance company po box 1591 houston tx 77251-0000 na 66842 12 de american general life insurance company of delaware ... Return Document

AIG American General American Funds Distributors, Inc. 027 ...
New England Annuities AIG American General ... View Doc

Midland National Directory Of Approved Investment Companies ...
VARIABLE ANNUITIES VARIABLE UNIVERSAL LIFE Ameritas American General (Svc Only) AXA American General American Legacy Ameritas AXA Equitable ... Read Here

WITHDRAWAL/SURRENDER REQUEST FORM - Great American Financial ...
Loyal American Life Insurance Co® Great American Life Insurance Co® Of New York Mailing Address: PO Box 5420, Cincinnati OH 45201 Fixed Annuities Mailing Address: PO Box 5423, Cincinnati OH 45201 Variable Annuities Overnight Address: 525 Vine St, 7th Floor, Cincinnati OH 45202 ... Return Doc

AGLC105800 URL Change - Marketing Index File
American General Life Companies . Title: Microsoft Word - AGLC105800 URL Change.doc Author: U40MS10 Created Date: 7/26/2012 12:28:48 PM ... Retrieve Doc

IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT ...
American Equity Life’s General Counsel from June 1999 until she became CEO and President. Waugaman also became a member of American Equity’s Board of Directors in 2008. Waugaman served as outside corporate counsel for American Equity from its ... Fetch Here

Tax Terms A-Z - Tax Glossary - About.com
Annuities - Tax Glossary. Definition of Annuities: Annuities are a type of tax-deferred retirement plan. Archer MSAs - Tax Glossary. Definition of Archer MSA: Medical Savings Accounts are tax-deductible savings accounts to save for medical expenses. ... Read Article

ANNUITIES - Kentucky: Personnel Cabinet - Personnel Cabinet Home
ANNUITIES. 0001009 Citizens Security Life 01. 0001014 Commonwealth Life 01. 0001032 Jefferson-Pilot Life Ins. (Ky Central Life) 01. 0006506 General American (Att: Student Loans), Dublin, OH. 0006507 Van RU Credit Corp., Lincolnwood, IL. ... Retrieve Here

Companies Offering 403(b) Services To Los Angeles Unifi Ed ...
• Annuities are fi xed investments paying roughly 4%. Most are sold through an agent. • Variable annuities are mutual funds sold by insurance companies. General American Life Insurance Company Golden State Mutual Life Insurance Co ... View This Document

Pension Benefit Guaranty Corporation - Wikipedia, The Free ...
General bankruptcy principles hold that executory contracts are avoidable in practice, because neither party has fulfilled its part of the bargain and thus breach by either party only gives rise to expectation damages. ... Read Article

Indexed Annuities - Welcome To BGA Insurance
American General Horizon Index 9 & 12 SPDA SPDA Global Index 8 Extended Care Rider Available up to age 86. Indexed Annuities Last update March 1, 2013 American National Aviva SPDA SPDA Strategy Index Annuity Series Income Preferred Bonus Product/Type ... Doc Viewer

Variable Annuities / Variable Universal Life
Variable Annuities / Variable Universal Life Product Sponsors Phone Number Website Address AIG* - 800-255-8402 - www.aig.com AIM Management* - 800-410-4246 - www.aiminvestments.com American General - 800-251-6071 - www.aigag.com American National - 800-252-9546 - www.anico.com American Skandia ... Get Content Here

Special Issues For Variable Annuities ...
Insurance Issues of the American Academy of Actuaries. hold MGDB reserves in the General Account. PN31/L99-06 As noted above, annuities are available to support the liabilities of the General Account. This is different from ... Doc Viewer

Policy Owner Service Carrier POS Phone Number
American General Annuities 800‐424‐4990 ‐ Agent Policy Service American General SPIA 888‐438‐6833 ‐ Agent Policy Service American General Variable Universal Life 800‐340‐2765 ‐ Agent/Owner Policy Service American ... Get Doc

Quality Of Life Insurance By AIG Agent Kimberly Nguyen - YouTube
For over 108 years, AIG American General provides Life Insurance, Business Insurance, Long-Term Care Insurance, Fixed Annuities and Retirement Plans to meet all your family and business owners insurance protection and financial needs. ... View Video

AG VisionMaximizer Annuity
Annuities issued by: American General Life Insurance Company, 2727-A Allen Parkway, Houston, Texas 77019 Annuity Contract Number 05490. Amendment Number AGLC102490-2007. Extended Care Rider Form Number 04049 or 03049. Monthly Average Account Rider Form Number 06204. ... Retrieve Here

Information On Retirement Annuities

Annuities: The Key To A Secure Retirement
2 Saving for retirement is crucial, and making sure those resources last throughout your lifetime is just as important. Annuities do both—helping you ... Fetch This Document

Immediate Annuities And Retirement Income Portfolios
Milliman Research Report Prepared by: Milliman, Inc. Timothy E. Hill FSA Susan J. Sell FSA May 2008 Immediate Annuities and Retirement Income Portfolios ... Get Doc

Variable Annuities And Retirement Income
Variable Annuities and Retirement Income Managing your income is one of the key challenges of achieving a financially secure retirement. Adding a variable annuity with an optional “income benefit” rider to your ... Get Doc

Guide To Buying Annuities - H.D. Vest - Access Your Full ...
Term retirement savings and should not be considered This information is intended only to provide a general background on annuity products, and should not be annuities can be purchased on either a fixed or a variable basis. ... Fetch Doc

RiverSource Retirement Advisor Variable Annuity
This information is authorized for use when preceded or accompanied by a current variable annuity prospectus that details risks, • Individual Retirement Annuities (IRAs) under Section 408(b) of the Code • Roth IRAs under Section 408A of the Code ... Fetch Full Source

Retirement Benefits For Members Of Congress
Eligible for retirement annuities under CSRS and FERS at an earlier age and with fewer years of service than most other federal employees. However, Members of Congress and congressional ... Fetch Full Source

Savings2Income Offers Personal Retirement Savings Advice For Overcoming Today’s Troubling Economic Situation
In response to The Washington Post’s article on the “fiscal trouble” facing future retirees, Savings2Income offers personal retirement savings advice to allay people’s concerns.Bohemia, NY (PRWEB) March 04, 2013 On March 4, Savings2Income responds to an article published in The Washington Post, offering personal retirement savings advice to allay people’s growing concerns about their fiscal ... Read News

Retirement Income Adequacy With Immediate And Longevity Annuities
IMPACT OF IMMEDIATE AND LONGEVITY ANNUITIES ON RETIREMENT INCOME ADEQUACY: This report analyzes how differently immediate and longevity annuities can affect probable income adequacy in retirement by taking into account long-term health care expenditures. ... Return Document

Employers And Employees Agree On The Value Of Voluntary Benefits
In an effort to manage health care costs, employers are introducing more voluntary benefits and employees are responding in large numbers. According to The State of Group Voluntary Benefits, the second in a series of research briefs stemming from The Prudential Insurance Company of America’s Seventh Annual Study of Employee Benefits: Today & Beyond, 63% of employees who say their employer offers ... Read News

Annuity Markets And Retirement Security - The Institute For ...
McDonald, O. (1999), Income in Retirement: Are Annuities the Answer?, London: Association of Unit Trusts and Investment Funds. Mitchell, O. S. (2001), ‘Developments in decumulation: the role of annuity products in financing ... Read Document

STATE OF WISCONSIN DEPARTMENT OF EMPLOYEE TRUST FUNDS WRS ...
WRS RETIREMENT ANNUITIES RETIREMENT BENEFIT APPLICATIONS* Mar-03 Apr-03 May-03 Total Retirement Estimates Requested 1,311 1,567 1,337 4,215 Retirement Estimates Completed 1,877 1,607 1,481 4,965 Retirement Annuities Started* Mar-03 Apr-03 May-03 Total ... Get Doc

Lifetime Annuity From AXA Wealth
An annuity is the most widely-used retirement income product. This pays you an income for Annuities also provide you with many different options in For more information on the features and options of annuities please visit the website . ... Return Document

VARIABLE ANNUITIES
VARIABLE ANNUITIES Variable annuities have become part of the retirement and investment plans of many Americans. Before you buy a variable annuity, you should know some of the basics - and be ... Get Document

STATE OF WISCONSIN DEPARTMENT OF EMPLOYEE TRUST FUNDS WRS ...
PART A: WRS RETIREMENT ANNUITIES RETIREMENT BENEFIT APPLICATIONS Sep-02 Oct-02 Nov-02 Total Retirement Estimates Requested 991 1,300 1,085 3,376 Retirement Estimates Completed 1,078 1,405 1,428 3,911 Retirement Annuities Started Sep-02 Oct-02 Nov-02 Total ... Document Viewer

Children’s Inheritance First To Go When Paying For Long-Term Care Costs
Those expecting to leave loved ones an inheritance should not bank on it – especially if they are not planning for long-term care costs in retirement. According to a Nationwi ... Read News

Conventional Life Annuity Vs Living Annuity
These are income investment vehicles in living annuities or conventional annuities providing an income on retirement. Which one? Keywords: buy pension; equity portfolios; guaranteed income; guaranteed investment; high return investment; high yield investments; income plans; investment accounts; ... Retrieve Here

RETIREMENT INCOME PLANS Key Features Of Compulsory Annuities
1 RETIREMENT INCOME PLANS Key Features of Compulsory Annuities Index Page No. 1. Introduction 1 2. Choice 1 ... Retrieve Doc

AXA Equitable Deferred Variable annuities At-a-glance
Additional Important Information With Retirement Cornerstone®, the benefit base is used to generate a minimum income or withdrawal amount and is not a cash value. Variable annuities are subject to investment risks, including the possible loss of principal invested. ... Read Content

Important Information About Your Annuity Investment June 2011
Advantaged retirement plan (such as a 401(k) plan or IRA), you will get no additional tax advantage from the variable annuity. Many states also have regulatory bodies that provide information regarding annuities, such as the State of Wisconsin Office of ... Read More

Using Annuities For Retirement

Life Table - Wikipedia, The Free Encyclopedia
In actuarial science and demography, a life table (also called a mortality table or actuarial table) is a table which shows, for each age, what the probability is that a person of that age will die before his or her next birthday ("probability of death"). From this starting point, a number of ... Read Article

Finding Values Of Annuities Using The Judy Johnson Table Function
Objective The students will be able to compare retirement plans for two job positions using the Annuity Theorem. Engage Discuss with students what exactly is an annuity and why it is an important investment. ... Retrieve Here

Getting Ready To Retire: What You Need To Know About Annuities
I Getting Ready to Retire: What You Need to Know About Annuities Table of Contents A. Planning Your Retirement Income-----1 ... Retrieve Document

Solve Three Retirement Income Case Studies Using Income ...
Solve Three Retirement Income Case Studies Using Income Discovery 8:01 Annuities Explained: NEVER invest in an annuity! by YourInvestmentAdvise 4,352 views 5:48 Indexed Annuities {Black Jack Explanation} by TheAnnuitycampus 1,114 views ... View Video

Lifetime Retirement Planning With Wells Fargo Advisors Income ...
Using annuities to create retirement income: • You can select to receive income for the rest of your life, or for you and your spouse’s life. • Depending on the annuity you purchase, you may enjoy the potential for increased income due to market gains. ... Retrieve Here

Savings2Income Offers Personal Retirement Savings Advice For Overcoming Today’s Troubling Economic Situation
In response to The Washington Post’s article on the “fiscal trouble” facing future retirees, Savings2Income offers personal retirement savings advice to allay people’s concerns.Bohemia, NY (PRWEB) March 04, 2013 On March 4, Savings2Income responds to an article published in The Washington Post, offering personal retirement savings advice to allay people’s growing concerns about their fiscal ... Read News

ANNUITIES
On using annuities in fi nancial planning, log on to FPA’s LinkedIn group (member login required). Carly Schulaka is a managing editor at FPA. Contact her at Carly.Schulaka@FPAnet.org. Annuity Appreciation or Angst? for retirement income. ... Content Retrieval

Why Don’t People Choose Annuities? A Framing Explanation
The Retirement Security Project Why Don’t People Choose Annuities? A Framing Explanation Jeffrey R. Brown, Jeffrey R. Kling, Sendhil Mullainathan, and Marian V. Wrobel ... Access Doc

SHOULD YOU BUY AN ANNUITY FROM SOCIAL SECURITY?
Benefit at an older age, using their savings in the interim to pay current expenses. Households entering retirement could also buy income annuities, a financial product specifically designed to provide an income households cannot outlive. 4. ... Fetch This Document

Asset Allocation With Annuities for Retirement Income Management
Asset Allocation with Annuities for Retirement Income Management April 2005 Paul D. Kaplan, Ph.D., CFA Vice President, Quantitative Research Morningstar, Inc. ... Access Document

Taxing Retirement Income: Nonqualified Annuities And ...
Taxing Retirement Income 563 Abstract - This paper explores the current tax treatment of non-qualified immediate annuities and distributions from tax-qualified ... View Doc

Ask Suze: What's Wrong With annuities? - YouTube
Didn't this lady sell more annuities than anyone when she was a Advisor at Merrill Lynch? If you don't plan on accessing the money until retirement you could look at annuity as a potential retirement vehicle. ... View Video

Charitable Trust - Wikipedia, The Free Encyclopedia
And may be helpful in retirement planning, while charitable remainder annuity trusts paying a fixed dollar amount are more rigid and usually appeal to much older donors unconcerned about inflation's impact on income distributions who are using cash or marketable securities to fund the ... Read Article

Retired Teachers To Rally In Austin
What do public school teachers and staff members do when they retire? Many travel or become substitute teachers. Some volunteer at local food banks, hospitals, nursing homes or libraries. Many join genealogical groups and serve on historical committees for communities and counties. They also like using their time to enjoy grandchildren. ... Read News

Introduction How Much Do You Need for Retirement? What Is An ...
Introduction This is an introductory guide designed to provide basic information about using annuities for retirement planning. How much do you need for retirement? ... Document Viewer

In Payments from Immediate Life Annuities Chris Soares Mark Warshawsky January 2 Abstract: 003 Some researchers have raised concerns about significant volatility in dur g the retirement period. This paper investigates these concerns using recent high frequency data. ... Get Document

Single Premium Annuities Using Fixed Annuities To Secure Non ...
Using Fixed Annuities To Secure Non-qualified Benefits Problem: If your company is interested in making its non-qualified retirement benefits more secure – or if your organization is facing a bankruptcy, merger or takeover, why not look into a group fixed ... Read Content

Understanding Insurance Company Variable Annuities
Understanding 401(k) Variable Annuities Key Points  So why do insurance companies offer variable annuities contracts for retirement plans?  Why is there a conflict in a 401(k) plan? ... Read Here

Are Annuities Worth The Investment?
By using the tax-stingy annuity, he’ll have significantly more income 15 years down the road. In fact, if he Myth #1: Purchasing Annuities in Retirement Accounts As you know, any investment you or your clients make in retirement accounts grow tax-deferred. ... View Doc

Frick 'n Frack - Understanding Annuities - YouTube
"Frick" played by Economist Shelby Smith, Ph.D. is receiving an award from the Association of Financial Planners. He shows his brother "Frack", played by Coleman Sisson how safe money choices for your retirement money can be a hero when the market crashes. ... View Video

Should Annuities Be Part Of Your Retirement Portfolio?
Should Annuities Be Part Of Your Retirement Portfolio? By Daryl Liew, Specialist Consultant (Investments) Most people would be familiar with modern portfolio theory and its role in determining a ... View This Document

Ameriprise Financial - Wikipedia, The Free Encyclopedia
As part of its retirement capabilities, the company offers variable annuities and life and disability insurance exclusively to its clients. It also operates Ameriprise Bank, FSB which offers a variety of consumer banking and lending products and personal trust and related services. ... Read Article

Why You Should Be Using Annuities In Your 401k
Why You Should Be Using Annuities In Your 401k. From Keith Dennis, About.com Guide May 30, 2012. Follow me on: Facebook; Twitter; Do You Need Annuities in Your Retirement Plan? How Much Should You Put Into An Annuity? Top Related Searches annuities 401k. Explore Annuities. ... Read Article

A New Strategy To Guarantee retirement Income using TIPS And ...
A new strategy to guarantee retirement income using TIPS and longevity insurance S. Gowri Shankar Business Administration Program, University of Washington, first phase of retirement, and deferred annuities from reliable insurers that would pay out in ... Get Document

Tax-Sheltered Retirement Plans - Welcome To Utah State University
Annuities Two different animals! Deferred or Immediate What is an annuity? “An annuity is a contract in which an insurance company makes a series of income payments at regular intervals in return for a premium or premiums you have paid. ... View This Document

Estate Planning With Annuities, IRAs And Qualified Plan Assets
Retire, the advantages of using annuities and retirement plans can increase. Because of the severe taxes applied to qualified retirement assets and the complex rules governing their distribution, it’s important to coordinate them with your estate plan. ... Content Retrieval

Annuities - New York Life
Simplified Employee Pension (SEP)––What Is It? Looking for a way to help yourself and your employees prepare for retirement…but without all the paperwork and expense associated with ... View Document

Benefits Of Purchasing Annuities

A Guide To Pension Crystallisation Options
When purchasing a conventional annuity, •There is only a minimum of paperwork needed to start the payment of benefits. Disadvantages of annuities: •The income is fixed at outset and depends on annuity rates available now. Annuity ... Document Viewer

Benefits under the Canada Life Class Action Settlement. rate movements and the actual versus estimated cost of purchasing annuities) and accordingly, the amount of surplus to be distributed on the distribution date was never guaranteed, nor could it ... View Full Source

Savings2Income Offers Personal Retirement Savings Advice For Overcoming Today’s Troubling Economic Situation
In response to The Washington Post’s article on the “fiscal trouble” facing future retirees, Savings2Income offers personal retirement savings advice to allay people’s concerns. (PRWeb March 04, 2013) Read the full story at http://www.prweb.com/releases/2013/3/prweb10485287.htm ... Read News

JOINT LIFE ANNUITIES AND ANNUITY DEMAND BY MARRIED COUPLES ...
JOINT LIFE ANNUITIES AND ANNUITY DEMAND BY MARRIED COUPLES Jeffrey R. Brown James M. Poterba Working Paper 7199 then the benefits of purchasing an individual annuity contract were smaller than those for independent individuals. ... Access Full Source

World Bank Pension Reform Primer Annuities
Purchasing an annuity. There are at least two important substitutes for annuities purchased from private insurers. The Annuities 8 lower benefits for annuitants themselves since these options are more expensive than a standard life annuity. ... Read Here

GAO-13-75, RETIREMENT SECURITY: Annuities With Guaranteed ...
Both Benefits and Risks, but Regulation Varies across States l Requesters December 2012 professional financial advice before purchasing these products and making key annuities in 2010 were California, New York, Florida, Texas, Pennsylvania, ... Fetch Content

Tax-Sheltered Retirement Plans - Welcome To Utah State University
The annuity contract contains: fees and charges, investment options, death benefits, and annuity payout options. Compare it http://www.insurance.utah.gov/Annuities_alert.htm Senior Citizens Should Be Aware Of Deceptive Sales Practices When Purchasing Annuities “Annuity sales to ... Get Doc

Raymond Gonzalez: Deciphering The Many Features Of Annuity Investments
Many retirees and pre-retirees have accumulated their retirement nest egg through equity investing, and they often want to continue with these investments during retirement. Many times, however, they find that their tolerance for risk and market volatility is not what it used to be. ... Read News

May / 2006 - James T. Gentry, CFP®, ChFC®& Special Needs ...
Contractual benefits (e.g., enhanced death benefit) are paid upon the death of the By purchasing two or more contracts, important to note that the aggregation rule does not apply to immediate annuities.6 4 IRC §72(e)(4)(A). 5 IRC §72(e)(11). ... Read More

A Consumer Guide For Annuity Products In New York
Purchasing an annuity. What is an annuity? An annuity can be defined as a contract between the owner and an insurer in which the insurer agrees to make periodic income payments, beginning either benefits in variable annuities often restrict ... Fetch Document

Employers And Employees Agree On The Value Of Voluntary Benefits
In an effort to manage health care costs, employers are introducing more voluntary benefits and employees are responding in large numbers. According to The State of Group Voluntary Benefits, the second in a series of research briefs stemming from The Prudential Insurance Company of America’s Seventh Annual Study of Employee Benefits: Today & Beyond, 63% of employees who say their employer offers ... Read News

A History Of American Equity’s Index-5* (9/30/98 - 9/30/09)
Makes no representation regarding the advisability of purchasing this product. Don’t forget the basic benefits of Indexed Annuities. † MINIMUM GUARANTEES † TAX-DEFERRAL † GUARANTEED LIFETIME INCOME † PRESERVATION OF PREMIUM ... Read Here

Purchasing before investing. (All guarantees are based on the claims-paying ability of the issuing insurance company.) The power of tax-deferred compounding Benefits of fixed annuities • No front-end fees. All of your money is invested. Please keep ... Document Viewer

Immediate Annuity Fixed Vs. Inflation-Protected
Illustrating the pre-tax difference in initial benefits payable under both a fixed and an inflation-protected annuity. Income from Immediate Annuities (Purchasing Power after Taxes & Inflation) ($100,000 Premium, Male Age 65, ELM Rates 4/1/09, 35% Tax Bracket, 4% CPI) 08 28 $5,543 $3,667 $- ... Fetch Full Source

CORONATION RETIREMENT ANNUITY FUND
RETIREMENT ANNUITY FUND - FEATURES & BENEFITS 1 The Coronation Retirement Annuity fund is a personal retirement plan which enables you to save tax-efficiently for retirement. it is an ideal way to supplement your existing pension ... View Doc

Fixed Term Annuity - Aurora Freelance Graphic Design
IN-FORCE™ Fixed Term Annuities offer a simple and affordable way What are the benefits of purchasing an IN-FORCE™ Fixed Term Annuity? IN-FORCE™ Fixed Term Annuities can provide above average returns for the fixed income ... Get Content Here

Actuarial Guideline XXXIV/Minimum Guaranteed Benefits For ...
Purchasing variable annuities, and these benefits are meant to address those concerns. The Living benefits in variable annuities could encompass quite a few things. But we'll focus on products that definitely have unusual risk characteristics. The three ... View Document

Plan PEPP Talk . . . - Welcome To The Public Employees ...
PEPP account to provide retirement income by purchasing one or more of the following retirement income products:  a Variable Pension (VP) Benefit from PEPP; The Pension Benefits Act, 1992. SPAF Annuities provide a consistent stream of income. ... Read Content

Life annuity Packagecover
This publication describes provisions for life annuities provided by the Capital (i.e. the member purchasing the Life Annuity), based on the terms of survivor benefits may be payable to your spouse and/or beneficiary ... Document Retrieval