Annuity insurance

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My husband's MetLife life insurance policy has expired and we have roughly $13.5 K to decide what to do with. We have several options, including taking the cash and putting it in a currently low-interest CD (2.25 best I could find), putting it into a MetLife run money market fund, or buying a MetLife variable annuity with 5% guaranteed interest against possibly more in the stock market and a 7 year term. We would like to retain this money for its original purpose...to pay for my husband's buri

Hi, My cousin is sixteen, and her mother (my aunt and sister of the aunt in question) died of bone marrow cancer in 1994 almost a few months after she was born. They placed her money in a trust fund but has now after sixteen years dropped back to the initial investment of $3000. My family is lower class or lower-middle class family with a few who hold associate's degrees but mostly are deputy sheriffs, mechanics, factory workers, etc. When i heard this last month because they were talking abo

We sat down tonight with my mother about her estate and we are (and she is ) concerned about not being able to cash in her whole life insurance policies through Shenandoah Life Insurance Co. She has paid the full max. amount that was to be in their, but now she would like to cash her policies out and they said that they won't let her do that. Our question is, are they able to say that to her, that they can't cash out her whole life insurance policies and cancel the accounts through Shenando

HI.. I want to know which is the best insurance plan for the childrens from L.I.C OF INDIA.. Jeevan Anurag Komal Jeevan Educational Annuity Plan CDA Endowment Vesting At 18 Jeevan Kishore Jeevan Chhaya Child Career Plan Child Future Plan Child Fortune Plus MY child is 2 yrs old Serious answers only if possible with explainations

I am asking because I find myself in a position where I have enough clients in real estate that know me and trust me, therefore I could begin to offer those clients plus new ones home owners insurance, life insurance, disability, and mortgage protection plus lots of other investment opportunities such as annuities. Since things have slowed with the economy due to the lack of jobs I am looking for a way to make more money now since I still have 5 more years of school.

I mean a Life insurance License in Florida without health license or annuities licence!

First of all, I would stash most of it in an interest-earning savings account. 1. Buy a good house. Invest money in security systems, locks and safes. 2. Buy a couple of good, solid cars that would not draw attention. 3. Make sure my family and close friends are financially set for life. 4. Donate money to hundreds of Christian colleges and universities. 5. Be a space tourist. (This costs around $20 million per trip.) 6. Get myself educated - maybe study finance, medicine or accounting 7.

http://www.kiplinger.com/businessresource/forecast/archive/health-care-reform-tax-hikes-on-the-way.html 1. A new 10% excise tax on indoor tanning services on services provided after June 30, 2010. 2. The new law gives small firms tax credits as incentives to provide coverage, starting this tax year. Employers with 10 or fewer workers and average annual wages of less than $25,000 can receive a credit of up to 35% of their health premium costs each year through 2013. The credit is phased out f

My grandfather passed away 4 years ago. My uncle is the executor of the estate. When everything was said and done my sister and cousin were the only ones that got anything. It was a life insurance policy and I think they each got about $2500. My uncle said there was nothing for anyone else except the stipulation that there was money in the family trust for each of the grandchildren for a "large purchase or need". I just got a letter in the mail today from this uncle. It states that there

My father recently passed away. My mother passed several years ago. My dad had a trust. My step mom of 4 years is the trustee of their trust. (My dad and her were both trustees and trustors of the trust in the case of either passing before the other.) My dad had an annuity and when we (my little sister, brother and I) called the insurance company about it all they could tell us is that the annuit was paid out and that they could not tell us who the beneficiary was because it wasn't us. W

It was at the the end of a day-long sales training program with a group when one of the business owners piped up, "What we need are some gay guys to sell our merchandise." She was asked, "Why specifically gay men?" She answered, "Because when we visited stores yesterday in the City, they were out and willing to tell anyone in a matter-of-fact way. They were personable, fun, you just wanted to buy from them." I understood from her descriptions of several of these guys why she would want them t

It was at the the end of a day-long sales training program with a group when one of the business owners piped up, "What we need are some gay guys to sell our merchandise." She was asked, "Why specifically gay men?" She answered, "Because when we visited stores yesterday in the City, they were out and willing to tell anyone in a matter-of-fact way. They were personable, fun, you just wanted to buy from them." I understood from her descriptions of several of these guys why she would want them t

Joe gets up at 6:00am to prepare his morning coffee. He makes it with a machine he could not possibly have made himself. He does not know where it was made, or how it works, and may not care. He does not know the people that planted, cultivated, harvested, dried, roasted, packaged, freighted, warehoused, distributed, marketed, or retailed his coffee, and may not care. The company that insures the manufacturer of the coffee machine required that it meet certain safety guidelines, as established

By Gill Guillory Joe gets up at 6:00am to prepare his morning coffee. He makes it with a machine he could not possibly have made himself. He does not know where it was made, or how it works, and may not care. He does not know the people that planted, cultivated, harvested, dried, roasted, packaged, freighted, warehoused, distributed, marketed, or retailed his coffee, and may not care. The company that insures the manufacturer of the coffee machine required that it meet certain safety guideli

I am thinking of filing bankruptcy and I have an annuity type life insurance policy with a Surender value of 65,000.00 and am concerned that if I file they will take this also

Judy's answer to my question at http://answers.yahoo.com/question/index;_ylt=Apgzl4WTe7ZtPc.Hel0nzhXsy6IX;_ylv=3?qid=20100531145556AA1SJE8 tells me to spend 4% per year and adjust for inflation. Currently, banks are paying less than 2% and the stock market return is less than 0%. If I initially spend at 4%, then the value of what I have left will decrease by more than 2% (spending rate minus investment return rate) per year. If I increase the spending rate for inflation, then the value of t

With life insurance, I pay the insurance company money each month I am alive, and they pay my estate or beneficiaries if I die. With an annuity, I pay the insurance company up front, and they pay me each month that I am alive. I want a policy where the insurance pays me while I am alive, and then gets money from my estate when I die (my heirs do not need the inheritance). Is this possible? (A reverse mortgage will not work because I do not own a house. I want something like a reverse mort

Dear Friends, LIC "Proposal for Insurance on Own Life" Form or application was sent to me. What is the purpose of it? What are its advantages and disadvantages of this policy? Actually I want to enroll into LIC - Marriage Endowment Or Educational Annuity Plan. Can i enroll online? What are the advantages and disadvantages of this policy? Is there any application or Form Available so that i can download? Please suggest. Regards Sridhar

I'm thinking of signing up with a company to sell life insurance and wonder whether this industry is growing or in decline. Also annuities... are there better products out there? I'm thinking of focussing on disability and term/mortgage insurance. How hard is this industry to get successful at?

variable acct . with insurance and 5% bonus every 5 years (no cap). Hold money for 7 years and with growth projected balance of 300 to 400 thou reasonable? Death benefit for estate. Am paid a monthly benefit based on my highest principal (this does not go down even if market drops.) for life. Am being told on the above balances I would receive $1,400. a month for rest of life at least, could go higher depending on balance. Help! I am very confused and don't know if I am making big mistake!

I'm looking to invest in life insurance, annuIties and term insurance, mutual funds. However, I don't know where to start? How can I invest especially in annuities if I want to get a check a month in about 10 years to live on when retiring. My friend's mom invested in annuities and when she got sick at 55 years old and couldn't work she was receiving annuities check which helped out alot.Can experienced people respond who have annuities, life insurance and/or term insurance with the kind of in

I'm looking for additional retirement plan options and was wondering what else is available to us middle income earners? I participate in my firm's 401K. I have a Traditional IRA and contribute to it. I have a Roth IRA (recently opened to receive an old 401K via the 2010 Conversion). My wife has a Traditional IRA (spousal IRA which I fund on her behalf). We have a joint mutual fund account. I am aware of three types of annuities (immediate, variable, and fixed). I am aware of universal and w

I own a non-qualified annuity that I purchased from an insurance company about 15 years ago. Can I donate the annuity to my church? If so, can I deduct the surrender value of the annuity on my federal tax return? Would the church have to pay tax on the untaxed gain in value of the annuity over my purchase price?

Hillary’s indexed annuity employs a point to point method of crediting interest. If the index closing level at the time her funds were credited to the index account was 1000, and the closing level at the end of the period was 1200, what interest rate would be credited to her annuity premiums, assuming no other limiting factors apply? a. 4% b. 12% c. 20% d. 26%

A friend of mine invested $64,000.00 2 years ago with this outfit. It went through National Western Insurance Co. in annuities. She said they told her she made $25,000.00 on her initial investment. Does this sound for real?

I am in an annuity which I put all monies into a Money Market thinking it would stay the same amount or very little interest. It has been losing. I had got rid of an adviser and I would like to move it around within the insurance company. Any advise?

I worked for a Insurance company for 27 years before my job was eliminated. I was 53 when i left and I was enrolled into a "Traditional" pension plan where i did not contribute pre tax or any funds into the pension plan. It was based on tenure and average of 10 years highest salary. When I turned 55 I exercised my pension plan with the 50% spousal annuity. When i went to my accountant this saturday i brought the w2 from the pension administrator with how much the monthly payments added up to,

This has been held since early 80's and I was thinking of cashing in to get more term insurance and pay off debt. Any advise?

My Mom is 58 yrs old - she has worked her entire life but was diagnosed with liver cancer a couple years ago. She stopped working and has been living off of un-employment and drawing off of her quickly shriking retirement annuity. She has never been on any govn't assistance, always paid taxes etc. Well, now that she is not working she cannot afford to pay outright for health insurance (she has a pre-existing condition, etc) it's either the mortgage or the health insurance to put it bluntly. So

My husband gets a government pension. His health insurance premiums are deducted from the annuity payments each month. (I don't know yet if the premiums are paid with pre-tax or post-tax dollars, looking into it.) Are those premiums deductible in the medical expenses area of our federal income taxes?

I live in central Florida and Have my 2-15 Life, Health, and Variable Annuities License, but am not into the sales rep position. Is there a job I can get with the License where I work specific hours on a salary income?

The annuity is a 403b. Page 26 of IRS Publicaton 575 says yes - a 403(b) can be rolled over into a qualified retirement plan. My not clearly specifying it was a 403(b) added some confusion. Thanks for the assistance.

My grandma is 91yrs old and she wants to buy a deferred annuity, but she can't find an insurance company that writes them on people who are over age 90. Any ideas?

I'm looking for advice from sales professionals on where I can go with my career. For the last year and a half, I've been an independent agent for a leading supplemental insurance provider, and am licensed for health & accident and life & annuities. While I like many aspects of this job, I'm frustrated with the results! I've landed and opened many accounts since I began, but I am tired of low commissions once I get an account opened. I'm interested in moving forward, perhaps contracting

I've been an independent insurance agent for a few months, and decided that this won't work out... As part of this, I had to get licensed in Life and Health and Variable Annuities, and don't want them go go to waste... Any jobs in the insurance or financial fields (other than sales) that will allow me to utilize these licenses?

can you be thrown in jail if you got no assets debt collectors can take. i work a low income job less then 30 hours a week. i receive disability income and i don't make enough to pay my debt and support me myself. i got a call from a collection agency that if i don't pay they will get a lawsuit against me. i don't make enough and now im scared that i will go to jail if i got no assets to take. if i got no assets what do they do? how do debt collectors view what assets i have if i have any at a

I have a structured settlement (life insurance policy), I have been receiving monthly payments of 572$ for about 6 years now. I am looking to settle out of my settlement. The remainder (payments yet to be received) is 255,000$, the company is wanting to give me a partial payment of 78,000$ until 2038 and then the regular monthly payments would start up again... I am wanting to get the maximum lump sum. I want to buy a house, a more dependable car and I would like to go to school. I am 24 years

Hello. I am trying to figure out if there is a way to reduce my tax liability. As you can see from the numbers below, my federal tax liability has been steadily increasing: 2006, 8,446; 2007, 12,039; 2008; 14,601. I am currently working on my 2009 federal tax return, but I believe that the upward trend will continue. I have always used the standard deduction and exemption. I contribute the maximum allowable amount to my traditional 401k. I pay a portion of my employer provided health ins

I need help with my 1099-R. I paid taxes. Is there still part of it that is taxable? Box 2a (Taxable Amount) states UNKNOWN. I know there is no taxing on this annuity in my state of Illinois. My Gross Distribution is 21,029 (I finally got the rest of my lump sum payment, that is why is is high). My Federal Withholding (box 4) is 3,520. Box 5 (Employee Contributions/Designated ROTH (n/a for me) or Insurance Premiums is 2,526.and 9b is Total Employee Contributions is 3.019. Box 7 is a code 3-Dis

7. What would be the amount of compound interest on 8,000 inversted for two years at 12%, compounded semiannually? Round your answer to the nearest dollar. 8. What is the future value of an ordinary annuity of $23,000 per year, for three years, at 10% interest compounded annually? 9. A family recently purchased a home, taking out a morgage of $90,000 at 8 1/4% for 20 years. The annual property taxes on the home are $1,980, nad the annual hazard insurance premium is $636. What is the monthl

I'm not sure what I'm supposed to do, thanks for any help. Here is the question: According to recent data from the Teachers Insurance and Annuity Association (TIAA), the survival function for life after 65 is approximately given by S(x) = 1 - 0.058x - 0.076x^2 where x is measured in decades. This function gives the probability that an individual who reaches the age of 65 will live at least x decades (10x years) longer. a. Find the median length of life for people who reach 65, that is, the ag

I have been divorced 11 years and have been having a terrible time getting my ex to send us our money each month. I have moved from Southern IL to Northern IL and it is difficult for me to travel back and forth due to the cost. He knows this. He was ordered to supply insurance for the kids, he has not, his child support payment is only 200 per month for 3 kids. The judge gave me 1/3 of an annuity he had but now I dont even get that. He sold his portion of the annuity, now he keeps mine. Becau

I'm retired and receive an annuity of $2422 a month. I have a home in another city that I have on the market as a lease/option but have no contract on it as of yet...it has been listed as a lease/option for 2 days. The mortgage I pay on this house is $900. I have zero credit card balance(s) and my car payment and car insurance total $350. My credit rating (by the Big 3 reporting agencies) is over 800. I currently live with my girlfriend (she's a nurse and makes over $60K a year) and she is

1) at the time of his son birth ,a man invest a certain sum of money 8% compounded quarterly to provide payments of 6000 each for four years. the first payment to be on his son's 20th birthday.how much does the father invest? 2) on his 45th birthday a man buys an annuity from an insurance co.which credits interest at 0.09 m=4 the annuity will provide 15 yrs of 3000monly payments to himself or his wife ,and its term will begin on his 50th b-day.what single payment does he make on his 45th b-da

What kind of annuity is this? Please explain - it's for my corporate finance homework... I need an answer that would satisfy a teacher, i realize that people want payment before they provide services, but in finance terms please!

The Internal Revenue Code lists a number of different gross income sources. When a taxpayer receives something that is not one of the listed items, is it exempt from tax? Explain your answer. From the book: The Code lists the following different gross income sources (and implies that others exist): 1. Compensation for services, including salary, wages, fees, commissions, fringe benefits, etc. 2. Gross income from business 3. Gains from the disposal of property 4. Interest 5. Rents 6. Royaltie

I'm lost. I'm trying to find the best place to put my money to where it will accumulate the most interest. I heard there are money market accounts that you can get from a bank or there are money market separate accounts that you can get from places, like insurance companies, such as a variable annuity contract. I'm trying to find out what all these accounts mean and what I should do. All the research sounds like a foreign language to me, though. Also, is a variable annuity contract the same or

Financial Planner stole my identity...? Several years ago my financial planner was putting together my portfolio which included some stocks, annuities etc. that my parents were going to give me as a gift. Well, my father was out of the country and he told me that he wanted to be present when All of these gifts were switched from his name to mine. I fully understood and told the planner we'd need to wait. Well, when my father returned in 3 weeks I received a call from him and he was extremely u

Financial Planner stole my identity...? Several years ago my financial planner was putting together my portfolio which included some stocks, annuities etc. that my parents were going to give me as a gift. Well, my father was out of the country and he told me that he wanted to be present when All of these gifts were switched from his name to mine. I fully understood and told the planner we'd need to wait. Well, when my father returned in 3 weeks I received a call from him and he was extremely u

Several years ago my financial planner was putting together my portfolio which included some stocks, annuities etc. that my parents were going to give me as a gift. Well, my father was out of the country and he told me that he wanted to be present when All of these gifts were switched from his name to mine. I fully understood and told the planner we'd need to wait. Well, when my father returned in 3 weeks I received a call from him and he was extremely upset. He asked how I had taken nearly $7