TAILIEUCHUNG - Lecture Risk management and insurance - Lecture No 31: Annuities and individual retirement accounts

Lecture Risk management and insurance - Lecture No 31: Annuities and individual retirement accounts. This chapter’s objectives are to: Individual annuities, types of annuities, taxation of individual annuities, individual retirement accounts. | Annuities and Individual Retirement Accounts Lecture No. 31 1 Objectives Individual Annuities Types of Annuities Taxation of Individual Annuities Individual Retirement Accounts 2 Individual Annuities An annuity is a periodic payment that continues for a fixed period or for the duration of a designated life or lives The person who receives the payments is the annuitant An annuity provides protection against the risk of excessive longevity The fundamental purpose of an annuity is to provide a lifetime income that cannot be outlived The major types of annuities sold today include: Fixed annuity Variable annuity Equity-indexed annuity 3 Exhibit How Tax Deferral Works 4 Fixed Annuities A fixed annuity pays periodic income payments that are guaranteed and fixed in amount During the accumulation period prior to retirement, premiums are credited with interest The guaranteed rate is the minimum interest rate that will be credited to the fixed annuity The current rate is based on current .

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