什麼時候年輕一個好主意？
什麼時候年輕一個好主意？
 Non-qualified annuities that are annuitized for the life of the annuitant guarantee life time income based on the annuitants life no matter how long the annuitant lives. Part of the annuitized payment is return of basis (tax free) amortized to life expectancy with some of the gain as well. When the basis is exhausted then the payment is entirely gain and taxable as ordinary income. That can be a good idea. But product suitability is very important and one of the items of suitability is a establishing a risk tolerance assessment. Non-qualified deferred annuities have three basic crediting methods: fixed interest rate crediting in an annuity, indice crediting in index annuity and crediting or sometimes debiting in separate sub accounts in variable annuities. Was you determine which crediting method fits your risk tolerance, then you should decide how long your annuity position should be and does the policy have any benefits for maintaining it in force.
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