什麼是遞延年金合約？
什麼是遞延年金合約？
 That is a great question! There are two basic types of annuities, immediate and deferred. An immediate annuity is one that is made with a single lump sum deposit, and the annuity begins paying out no later than a year from the contract date. A deferred annuity is a contract that may allow periodic payments, or a single payment to fund it; and the payments do not start for a specified number of years later. It will have a number of fees and penalties attached to the early withdrawal of the funds. A deferred annuity will generally provide a much larger return on your investment because of the time between funding and annuitization, something not provided in the immediate annuity. An immediate annuity would be something to consider if you received a settlement, or large inheritance, and needed to supplement your income, and lower your tax liability. A deferred annuity would be suited for creating an income stream for later in life, understanding that once it was funded, the money would become relatively unavailable to you until then. Please be sure to have your agent walk through a good suitability study with you to ensure you get the annuity that best suits your need. Feel free to inbox me, if you have further questions. Thank you for asking!
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