Home Life insurance Annuities articles: How to buy wisely Annuities articles: How to buy wisely By Insure.com | Posted on December 10, 2009 Why you should trust Insure.com Quality Verified At 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 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. QuickTake Annuity lifetime payouts: How much will you get? What is an annuity? What to know about the retirement income option Equity-indexed annuities: Indexing methods explained The ups and downs of immediate variable annuities Waivers provide access to your annuity before retirement Annuity Surrender: Getting out of your annuity See more > Related Articles What happens if you outlive your term life insurance? By Shivani Gite What is indexed universal life insurance? By Shivani Gite Savings+ By Wysh 2023 Review: A High-Yield Savings + Life Insurance Combo By Insure.com What is final expense insurance and how does it work? By Desiree Ghazi Types of life insurance By Huma Naeem The different types of term life insurance policies explained By Nupur Gambhir Get instant quotes now ! Please enter valid zip Get Quotes