Life Insurance Annuities articles: How to buy wisely By Insure.com | Posted on December 10, 2009 Why you can trust Insure.comQuality VerifiedAt Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Annuities: The basics We help you understand how annuities work and whether you should buy one. Annuities: Getting out of one There may not be an easy way out. Annuity payouts: How much you’ll get We look at how payouts are calculated. Annuity waivers: Access before retirement If you become seriously disabled or need to go to a nursing home before you retire, your annuity may contain a waiver that triggers payments that are not subject to the usual surrender fees. Equity-indexed: How indexing methods work We look at how an index’s gain or loss affects your “participation rate.” Subaccounts: Variable life and variable annuity subaccounts Some subaccounts are aggressive growth funds and may produce either robust or shrunken returns. Immediate variable annuities Immediate variable annuities offer you the chance to earn money in the stock market and get a steady check, but it comes with a price. Variable annuities: Five salespitches to watch our for How to judge what you may hear. Related Articles How to make sure you have enough life insurance By Jeffrey Green Whole life insurance: How it works By Nupur Gambhir Types of life insurance — what’s best for you? By Huma Naeem Burial insurance: What you need to know By Nupur Gambhir How to read your life insurance policy By Shivani Gite What is demutualization and what does it mean for policyholders? By Laine Adley