100 LEVEL

200 LEVEL

300 LEVEL

400 LEVEL

A provision transfer funds from a life insurance, endowment or annuity to a new policy, without having to pay taxes.

1035

EXCHANGE

A provision transfer funds from a life insurance, endowment or annuity to a new policy, without having to pay taxes.

PENALTY FREE

WITHDRAWALS

A provision transfer funds from a life insurance, endowment or annuity to a new policy, without having to pay taxes.

STRUCTURED

WITHDRAWALS

Returns premiums paid for coverage if the insured party survives the policy's term, or paid to the beneficiary upon the death of the insured.

RETURN OF

PREMIUM

Fixed interest rate guarantee

combined with interest rate adjustment factor, causing

actual crediting rates to fluctuate from markets.

MARKET VALUE

ADJUSTMENT

The annuity issuer guarantees at a minimum that upon your death your total premiums invested are paid

to your beneficiaries.

DEATH BENEFIT

PROVISIONS

A kind of longevity annuity that allows you to defer RMD's. You can defer as late as age 85 by converting a portion of your 401(k) or IRA to QLAC. 

QLAC

A provision transfer funds from a life insurance, endowment or annuity to a new policy, without having to pay taxes.

TYPES OF

FEES

Financial rating services rank insurance companies based on financial strength and stability. 

INSURANCE

COMPANY

RATINGS

An attached benefit to a deferred annuity policy that solves for longevity risk by providing a lifetime income stream.

INCOME

RIDERS

The annuity issuer guarantees at a minimum that upon your death your total premiums invested are paid

to your beneficiaries.

DEATH BENEFIT

PROVISIONS

A type of fixed annuity product that offers either an upfront premium bonus or a first year interest rate bonus.

BONUS ANNUITIES

CONTACT

ANNUITY CAMPUS