{"id":10977,"date":"2021-05-05T09:30:01","date_gmt":"2021-05-05T13:30:01","guid":{"rendered":"https:\/\/tolic.com\/how-are-annuities-classified-and-which-one-fits-you-best\/"},"modified":"2023-05-05T09:35:19","modified_gmt":"2023-05-05T13:35:19","slug":"how-are-annuities-classified-and-which-one-fits-you-best","status":"publish","type":"post","link":"https:\/\/tolic.com\/en\/how-are-annuities-classified-and-which-one-fits-you-best\/","title":{"rendered":"How are annuities classified and which one fits you best"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10977\" class=\"elementor elementor-10977 elementor-3144\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1b948bb7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b948bb7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-791f68c1\" data-id=\"791f68c1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6e5a9e06 elementor-widget elementor-widget-text-editor\" data-id=\"6e5a9e06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">The financial decisions we make today determine our lifestyle in the future.<\/span><\/p>\n<p class=\"MsoNormal\" style=\"text-indent: .5in\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">We all want to reach our retirement healthy and enjoy financial stability. Investment products, particularly annuities, are great tools for planning for a successful and prosperous retirement.<\/span><\/p>\n<p class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">What are annuities?<\/span><\/p>\n<p class=\"MsoNormal\" style=\"text-indent: .5in\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">An annuity is a contract between an insurance company and a person, made to increase your money and protect it without risk of losses at the end of the chosen term, that offers a guaranteed flow of income for a specific period of time or for life. In other words, an annuity gives you the opportunity to save for your future and ensure peace of mind for your retirement.<\/span><\/p>\n<p class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Types of annuities<\/span><\/p>\n<p class=\"MsoNormal\" style=\"text-indent: .5in\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Now that you know what annuities are and what they represent for your retirement, let\u2019s talk about the different types of annuities and how they are classified.<\/span><\/p>\n<p class=\"MsoListParagraphCxSpFirst\" style=\"text-indent: -.25in\"><span lang=\"ES-TRAD\" style=\"font-family: Symbol\">\u00b7<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\"> <\/span><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Fixed Annuity: your investment grows based on an guaranteed interest for a specific term.<\/span><\/p>\n<p class=\"MsoListParagraphCxSpLast\" style=\"text-indent: -.25in\"><span lang=\"ES-TRAD\" style=\"font-family: Symbol\">\u00b7<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\">         <\/span><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Indexed Annuity: offers an interest rate tied to the behavior of the stock market index. It has the potential to increase profit based on index growth and protects against market downturn.<\/span><\/p>\n<p class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">What are TOLIC\u2019s <\/span><span lang=\"ES-TRAD\"><a href=\"https:\/\/tolic.com\/en\/services\/retirement\/\"><span style=\"font-family: 'Arial',sans-serif\">retirement<\/span><\/a><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\"> plans?<\/span><\/p>\n<p class=\"MsoNormal\" style=\"text-indent: .5in\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Here are some details about our fixed and indexed annuities and the benefits each of them offers.<\/span><\/p>\n<p class=\"MsoListParagraph\" style=\"margin-left: .25in;text-indent: -.25in\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">1.<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\"> <\/span><\/span><span lang=\"ES-TRAD\">TOLIC\u2019s <a href=\"https:\/\/tolic.com\/en\/services\/retirement\/\"><span style=\"font-family: 'Arial',sans-serif\">Fixed Annuity<\/span><\/a><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">: your investment grows based on a guaranteed interest for a specific term.<\/span><\/p>\n<p class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">What should you know?<\/span><\/p>\n<ul style=\"margin-top: 0in\" type=\"disc\">\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">\u2022 The terms for this annuity are of 3, 5, 7, and 10 years.<\/span><\/li>\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">It provides a death benefit equivalent to 101 % of the contract value, free of charge for settlement or adjustment to the market value.<\/span><\/li>\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">It has a competitive and guaranteed minimum initial interest rate of 1.50 %.<\/span><\/li>\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">It provides you with several payment options and a guaranteed lifetime income benefit.<\/span><\/li>\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">You have access to 10 % annually of the premium penalty-free.<\/span><\/li>\n<\/ul>\n<p class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">We recommend this annuity for you if:<\/span><\/p>\n<ul style=\"margin-top: 0in\" type=\"disc\">\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">you want to generate guaranteed interests for a specific term<\/span><\/li>\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">you must transfer a lump sum payment from a retirement plan, a pension from a business, or an IRA<\/span><\/li>\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">you want to contribute to an annuity because you have already contributed the maximum to your IRA or other qualified plans<\/span><\/li>\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">you need income for your whole lifetime<\/span><\/li>\n<\/ul>\n<p class=\"MsoListParagraph\" style=\"margin-left: .25in;text-indent: -.25in\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">2.<span style=\"font-size: 7pt;line-height: normal;font-family: 'Times New Roman'\"> <\/span><\/span><span lang=\"ES-TRAD\">TOLIC\u2019s <a href=\"https:\/\/tolic.com\/en\/services\/retirement\/\"><span style=\"font-family: 'Arial',sans-serif\">Indexed Annuity<\/span><\/a><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">: potential to increase your profit, based on the growth of the market index.<\/span><\/p>\n<p class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">What should you know?<\/span><\/p>\n<ul style=\"margin-top: 0in\" type=\"disc\">\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">The terms for this annuity are of 5 and 7 years.<\/span><\/li>\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Global investment in more than 2,500 companies and 48 countries.<\/span><\/li>\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Performance is based on S&amp;P 500, MSCI EAFE, MSCI EM and Fixed Account.<\/span><\/li>\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Provides a death benefit equivalent to 101 % of the contract value, free of charge for settlement or adjustment to the market value.<\/span><\/li>\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Annual point-to-point returns are accredited.<\/span><\/li>\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">The credit rate is based on the index, up to the cap rate.<\/span><\/li>\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">The share of the index is 100 %.<\/span><\/li>\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Liquidity is 10 % of the premium per year limited to 50 %.<\/span><\/li>\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">You have several payment options.<\/span><\/li>\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Lifetime income through the guaranteed lifetime income benefit.<\/span><\/li>\n<\/ul>\n<p class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">We recommend this annuity for you if:<\/span><\/p>\n<ul style=\"margin-top: 0in\" type=\"disc\">\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">you want to participate in a portion of the increase in the growth potential of the stock market by eliminating downturn market risk<\/span><\/li>\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">you must transfer a lump sum payment from a retirement plan, a pension from a business, or an IRA<\/span><\/li>\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">you want to contribute to an annuity because you have already contributed the maximum to your IRA or other qualified plans<\/span><\/li>\n<li class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">you need income for your whole lifetime<\/span><\/li>\n<\/ul>\n<p class=\"MsoNormal\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Protect your future with an annuity<\/span><\/p>\n<p class=\"MsoNormal\" style=\"text-indent: .5in\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">Annuities have multiple benefits. In addition, they have advantages over other investment products, such as tax deferral, death benefits and availability. Start planning for your future today! <\/span><\/p>\n<p class=\"MsoNormal\" style=\"text-indent: .5in\"><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">For more information, visit our website <\/span><span lang=\"ES-TRAD\"><a href=\"https:\/\/tolic.com\/en\/\"><span style=\"font-family: 'Arial',sans-serif\">www.tolic.com<\/span><\/a><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\"> or email us to contact one of our representatives (<\/span><span lang=\"ES-TRAD\"><a href=\"&#109;&#x61;&#x69;l&#116;&#x6f;:&#115;&#x65;&#x72;&#118;&#x69;&#x63;i&#111;&#x61;l&#99;&#x6c;&#x69;&#101;&#x6e;&#x74;e&#64;&#x74;o&#108;&#x69;&#x63;&#46;&#x63;&#x6f;m\"><span style=\"font-family: 'Arial',sans-serif\">cus&#116;&#111;&#109;&#101;&#x72;&#x73;&#x65;&#x72;&#x76;&#x69;&#x63;e&#64;t&#111;&#108;&#105;&#99;&#46;&#x63;&#x6f;&#x6d;).<\/span><\/a><\/span><span lang=\"ES-TRAD\" style=\"font-family: 'Arial',sans-serif\">). And find out why, at TOLIC, we Give you More for your IRA.<\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>The financial decisions we make today determine our lifestyle in the future. We all want to reach our retirement healthy and enjoy financial stability. Investment products, particularly annuities, are great tools for planning for a successful and prosperous retirement. What are annuities? An annuity is a contract between an insurance company and a person, made [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":4855,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[190],"tags":[205,203,211,247],"class_list":["post-10977","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-family","tag-anualidades-en","tag-finanzas-en","tag-planificacion-en","tag-retirement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How are annuities classified and which one fits you best - TOLIC<\/title>\n<meta name=\"description\" content=\"Annuities give you the opportunity to save for your future and ensure peace of mind for your retirement. 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