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We help you understand how annuities work and whether you should buy 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 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. |
