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My tax advisor suggested that I invest the funds from a personal injury case into an income annuity that offers deferred payments and is tied to underlying investment vehicles that can grow my money. We decided to go with Ameritas because of their fee schedule, availability of investment options, and their 5-year average rate of return of 16.49%. This will help me to have the money that I will need later in life as I am no longer able to work full-time.
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My grandfather encouraged me to get a deferred income annuity when I got married. He told me that it would help my wife and me to provide for our family well into our older years, especially in this age of companies no longer providing pensions. With 100 investment options and an average rate of return of 18.01%, we had no problem finding some that were appropriate for our situation. Great-West provides growth opportunity and now we have the peace of mind that comes from knowing that our financial needs will be taken care of well into what we hope ...
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I like this annuity because it offers many payment options, including increases over time. With this annuity, I can “set it and forget it,” automatically increasing or decreasing payments according to what the Consumer Price Index does. When we need a little extra cash, we can opt for the Advance Payment Option, which gives us six month’s payments all at once. We are able to do that not only once, but twice while we have this annuity. There are also several different death benefit options that I can choose from to help protect my income for my heirs.
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The New York Life Guaranteed Future Income annuity is flexible enough for unforeseen changes in retirement plans. When our retirement didn’t go as we expected, we were able to use the Payment Acceleration option, which allowed us to take out six months worth of payments at one time. Plus, we can do this up to three times during the life of our contract with New York Life. Another great perk is that we can increase our payments by up to 3% to protect our money against inflation.
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The Prudential Defined Income Variable Annuity offers more opportunities for growth. Every year that we choose not to take income from this annuity, our money grows by 5.5% annually. The rate of withdrawal is not determined by when we began taking income, but instead by the age we bought our annuity. While we receive less in payouts, we have a 7-year period to surrender the contract, which is great flexibility.
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Deferred Income Solutions from Lincoln Financial Group has several attractive features. I first found out about it from purchasing other products from Lincoln Financial Group, an A+ rated carrier that offers consistently high payouts. Deferred Income Solutions offers flexibility, giving me the option to change the income start date not just by weeks or months, but by years if I needed. Another awesome option was that we can make up to three lump sum withdrawals for up to six month’s worth of income. This helped me to manage my finances and use my retirement funds as I wanted. 
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There are many advantages to the MetLife Guaranteed Income Builder. This deferred income annuity (DIA) is flexible to fit my needs. One of the things I liked about it most was that I could get out of the contract and get back at least 92% of what I paid to purchase the annuity before I started taking payments. I could also change my income start date if I changed my mind, and split my money into two different streams if I wanted. I was able to get into this DIA for only $2,500, and I can add as little ...
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