Tax Deferred 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> Tax Deferred 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>Annuities are term deposits with insurance companies.</b> They are similar to certificates of deposits at the bank (note: bank deposits are FDIC insured while annuities are guaranteed by the issuing insurance company). There are two types of annuities: fixed and variable. Fixed annuities have these features: Your principal is guaranteed, it will never decline. The insurance company adds interest to your deposit each year.<br> The annuity is for a specific term that you select. Generally, the longer the term, the higher the interest. All interest is tax deferred (you do not report it on your tax return) until withdrawn. You may withdraw 10% of your balance annually. If you withdraw more than 10% during the term, you will pay withdrawal penalties (called surrender charges). <br> <br> <img src="/images/hor_dots.jpg" alt="" width="350" height="5" border="0"><br><br> <b><b>Withdrawing Money from a Deferred Annuity.</b></b> When you're ready to start withdrawing money from your deferred annuity, you will need to choose how to receive your money. You can take it all out in a lump sum, take it as needed, or receive it in a steady stream of periodic payments – so-called "annuitizing." If you annuitize, you can receive a stream of income that is guaranteed to continue for the rest of your life, no matter how long you live. And, the tax liability can be spread out for the rest of your life too. Some of the earnings are included in each payment and are taxable, meanwhile, any earnings continue to accumulate tax-deferred on the remaining principal and earnings that have not yet been distributed. So, receiving distributions as periodic payments after retirement may further reduce your income tax liability, if you are in a lower tax bracket. Some annuities also provide you with an option to have a set amount, determined by you, automatically withdrawn and deposited directly in your checking account during a regularly scheduled period, such as monthly. You have many options on how you receive your money, each with its own tax ramifications. Consult your tax or financial advisor to tailor a plan for your particular needs. <br> <br> <img src="/images/hor_dots.jpg" alt="" width="350" height="5" border="0"><br><br> <b>For a variable annuity</b>, all fees and other important information will be explained in the prospectus that describes the variable annuity contract. The prospectus must be given to you when you are solicited to purchase a contract. Read it carefully before you invest or send money and be sure you understand exactly what your expenses will be. <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.<br><br> </div><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>