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income,Ugg Classic Short Boots, you probably will not encounter them. The main disadvantage to a life annuity is if you withdraw the money early there are penalties. When setting up the life annuity payments make sure that it is money that you can spare to prepare for your future. This way, when you reach retirement age you will be fully vested and will have established the full earning potential of the annuity. This means that you will have reliable steady income once you stop working. Your life annuity if invested well can finance your housing, food,coach crossbody bags, medical bills and even travel once you retire.
A life annuity can be set up to pay you periodic payments throughout your life and even allow payments to continue to your beneficiaries or spouse for several years after your death. Placing your money in a savings account is good if you are saving for a specific purchase or expense, but for retirement planning you want to place your money in a life annuity where it can grow and will be there to take care of you when you retire.
You should review the complete plan, considering such factors as the guaranteed interest rate, the surrender charges, and the administrative and maintenance fees. A high interest rate during the first year is not always the better choice. This is especially true if the interest rates drop to a low minimum rate the next year with high surrender charges and additional fees.
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