Charitable Gift Annuity

<body><table width="700" border=0 align="center" cellpadding="0" bordercolor=#4A4A65 celspacing="0"> <tr align="right"> <td rowspan="8" valign="top"><img src="/images/vertdots.jpg" alt="" border="0" align=""></td> <td colspan="3"><img src="/images/visual6.jpg" width="455" height="130" border="0" alt="Fixed Annuity, Variable Annuity, Equity Index Annuity, Immediate Annuity"> <img src="/images/arrow2.jpg" alt="" style="margin-top:-65px; margin-left:-665px;"> </td></tr><tr><td colspan="3"><h1> Charitable Gift Annuity </h1> <br> <img src="/images/hor_dots.jpg" alt="" width="350" height="5" border="0" class="dots1"></td> </tr> <tr align="left" valign="top"><td width="22%"> <font size="2"> <a href="/rate.htm">Annuity Rate<br> Annuity Economics</a><br><img src="/images/borderh.jpg" alt="" border="0" align="right"><br>  <a href="/marketing.htm">Annuity Marketing</a><br><img src="/images/borderh.jpg" alt="" border="0" align="right"><br>  <a href="/education.htm">Annuity Education <br> Annuity Articles</a><br><img src="/images/borderh.jpg" alt="" border="0" align="right"><br>  <a href="/about.htm">About Us</a><br><img src="/images/borderh.jpg" alt="" border="0" align="right"><br>  <a href="/contact.htm">Contact Us</a><br><img src="/images/borderh.jpg" alt="" border="0" align="right"><br>  <a href="/index.html">Home Page</a><img src="/images/borderh.jpg" alt="" border="0" align="right"></font> </td> <td align="left"><img src="/images/dots.jpg" alt="" width="3" height="270" border="0"></td> <td><div style="margin-left:15px; margin-right:15px"><font size="2"> <h2>Fixed Annuity, Variable Annuity, Index Annuity Agent Site</h2></font> <br> <b>Fixed Annuities.</b> Fixed annuities earn a guaranteed rate of interest for a specific time period, such as one, three or five years. Once the guarantee period is over, a new interest rate is set for the next period. This guarantee of both interest and principal makes fixed annuities somewhat similar to Certificates of Deposit (CDs) purchased from a bank. Unlike a typical CD, however, an annuity is not backed by the Federal Deposit Insurance Corporation (FDIC); its security is directly related to the financial health of the insurance company that issues the annuity. <br> <br> <img src="/images/hor_dots.jpg" alt="" width="350" height="5" border="0"><br><br> <b>Pursue CD Buyers.</b> This market seems obvious in that conservative investors buy CDs and they would also buy fixed annuities or variable annuities with principal guarantees. However, this is a "back door" method of marketing or "bait and switch" marketing. With this method, you advertise attractively yielding CDs and then attempt to switch the callers to annuities. Can you make some money doing this? Yes Will it be easy money? No Can you be a big producer doing this? No The biggest producers are "front door" marketers. They do not attempt to bait people and then pull a switch. They advertise for annuities and then the people who call do not need to be switched. They make better prospects because they are calling for what interests them. The result is you get fewer time wasting calls and your close percentage if higher. In the beginning of one's career, this CD method of marketing works and it gives you people to talk to. But we know of no large producers who use this method. <br> <br> <img src="/images/hor_dots.jpg" alt="" width="350" height="5" border="0"><br><br> <b>You can provide death benefits to your heirs.</b> If you die prematurely, your annuity can offer a death benefit to your beneficiaries without the costs and delays of probate. Your beneficiaries will never receive less than what you have contributed (less any withdrawals). In addition, a spouse who inherits an annuity before distribution has begun can step in as the new owner of the annuity and the tax deferral continues until amounts are withdrawn. If distribution payments had begun, the benefits would generally have to be distributed to the beneficiary at least as rapidly as through the method in effect at the time of the annuitant's death. Taxation will continue to apply to those proceeds. Generally, a beneficiary who inherits an annuity before distribution begins can request a lump sum distribution without penalty but will be subject to full taxation on the accrued interest or gain on the contract. <br> <br> You can find much more <strong>information by visiting</strong> <a href="http://annuity-fixed-variable.com">annuity-fixed-variable.com</a>. Please <a href="http://annuity-fixed-variable.com"><strong>click</strong></a> to visit our site.</div><br><br> <td rowspan="8" valign="top"><img src="/images/vertdots.jpg" alt="" border="0" align="" class="offset"></td> <tr><td colspan="3"> <img src="/images/hor_dots.jpg" alt="" width="350" height="5" border="0" class="dots"><br></td> </tr></table></center> <br><p><font size="-1"><a href="/rate.htm">Annuity Rate Annuity Economics </a> | <a href="/marketing.htm">Annuity Marketing </a> | <a href="/education.htm">Annuity Education Annuity Articles </a> <br> <a href="/site_map.htm">Site Map</a> | <a href="/about.htm">About Us</a> | <a href="/contact.htm">Contact Us</a> | <a href="/index.html">Home Page </a></font> </p><font size="1"><center>© 2008 <strong>Fixed Annuity, Variable Annuity, Equity Index Annuity, Immediate Annuity <br></strong>inquire(at)annuity-fixed-variable.com </center></font><br> <br> </body>