A collection of six extensive compound interest and annuity tables. 1. Future Worth of One Dollar with Interest. 2. Future Worth of One Dollar per period with Interest. 3. Sinking Fund Factors. 4. Present Worth of One Dollar. 5. Present Worth of One Dollar per Period. 6. Partial Payment to Amortize One Dollar. Interest range is 5% to 22.5% in % increments. Coverage is monthly, quarterly, semi-quarterly and anually for up to 50 and 60 year durations.

List Price: $6.95

Read More

Mortality improvements, uncertainty in future mortality trends and the relevant impact on life annuities and pension plans constitute important topics in the field of actuarial mathematics and life insurance techniques. In particular, actuarial calculations concerning pensions, life annuities and other living benefits (provided, for example, by long-term care insurance products and whole life sickness covers) are based on survival probabilities which necessarily extend over a long
time horizon. In order to avoid underestimation of the related liabilities, the insurance company (or the pension plan) must adopt an appropriate forecast of future mortality.

Great attention is currently being devoted to the management of life annuity portfolios, both from a theoretical and a practical point of view, because of the growing importance of annuity benefits paid by private pension schemes. In particular, the progressive shift from defined benefit to defined contribution pension schemes has increased the interest in life annuities with a guaranteed annual amount.

This book provides a comprehensive and detailed description of methods for projecting mortality, and an extensive introduction to some important issues concerning longevity risk in the area of life annuities and pension benefits. It relies on research work carried out by the authors, as well as on a wide teaching experience and in CPD (Continuing Professional Development) initiatives. The following topics are dealt with: life annuities in the framework of post-retirement income strategies; the
basic mortality model; recent mortality trends that have been experienced; general features of projection models; discussion of stochastic projection models, with numerical illustrations; measuring and managing longevity risk.

List Price: $120.00

Read More

With a growing volume of retirement funds moving into annuities, professional education in this area is more important than ever. This training text follows the political process by which fixed indexed annuities remain regulated like insurance products–rather than securities. After establishing that background, the book uses case studies, analysis of “black letter” law and expert interviews to give professionals the tips and tools they need to sell annuities ethically–and effectively. Includes checklists and sample forms based on NAIC model law and other regulations and guidelines.

List Price: $9.99

Read More

Suitability of Annuity and Life Insurance Transactions for Seniors provides an in-depth examination of annuity and life insurance for Seniors in the United States with an emphasis on the regulations and policies that govern it and the types of annuities according to premiums paid, payout and investment options. This textbook provides a wealth of information regarding annuities, including public policy regarding Florida legislation protecting seniors and duties of insurers and insurance agents, and is a good source of information both for those new to annuities and senior life insurance transactions as well as a great review for those who are the more experienced in the field.

List Price: $9.99

Read More

The most complete guide specific to variable annuities is now updated. This new edition is your best choice if you want to educate your clients on the benefits of this increasingly popular tool that has become an integral part of the investment and retirement plans of so many Americans.
The Variable Annuity Handbook, 2nd Edition reviews the features and characteristics of variable annuities and provides information on how to weigh them against other financial services products. The book offers up-to-date market approach strategies that you can use to develop marketing programs, refine your sales approach, and develop an in-depth familiarity of the specific features and benefits of the variable annuity.

Updated with the latest tax and regulatory information, this edition includes the following content:

New and revised selling ideas, including ideas involving living benefits.

Updated information on markets for variable annuities.

New information on guaranteed living benefits.

Update and expansion of taxation rules for variable annuities.

Up-to-Date discussion of licensing, compliance, and ethics.
The Variable Annuity Handbook, 2nd Edition also offers in-depth discussion of:

The income and transfer taxation of variable annuities.

Licensing and compliance.

Pricing and fees.

Estate planning uses of the variable annuity.

Compensation of selling variable annuities.

Taxation and ownership provisions.

List Price: $51.00

Price: $37.23

You save: $13.77

Read More

Old Antique Historical Victorian Prints Maps and Historic Fine Art ———-. Norfolk Duke Royal General Annuity Society Sale 1849 Page From An Issue 1849 . The Illustrated London News . These Wood Engravings From Sketches, Or Early Photographs Would Make An Ideal Gift For Christmas Or Birthday . The Actual Date Is Printed On Each Page . This Engraving Is Over 150 Years Old. And Is Not A Modern Copy. These Images Are Scanned At Low Resolution For Quick Uploading And Are Much Better Than The Scanned Image.. Size Of Print Is Approx ( injcluding margins as shown ) 14″ X 9.1/2″ If It Is Shown As Whole Page, Or Prorata.. Approx ( injcluding margins as shown ). Page Size = 16″ High X 11″ Wide. Ready To Matt And Frame. These Old Prints Really Look Great With Matt And Framed. . Note This Print Is From A Periodical And Has Printing On Reverse.

List Price: $25.75

Price: $25.75

You save: $9.00

Read More

This short story explores the pros and cons of investing in variable annuities versus conventional mutual funds.

List Price: $2.99

Read More

Every financial professional should read and refer to this completely updated annuity resource. Delivered in an authoritative, yet easy-to-read language, this guide provides an objective discussion of what annuities can and cannot do, their costs, and the risk management features that annuities offer.
Whether you are an attorney, CPA, financial planner; anyone who advises clients regarding financial matters should read and refer to this completely updated annuity resource. Delivered in an authoritative yet easy-to-read language, this guide provides an objective discussion of what annuities can and cannot do, their costs, and the risk management features that annuities offer.

The Annuity Advisor, 2nd Edition discusses topics including:

Cost-benefit comparison of the features and taxation of annuities
Annuities as an investment versus risk management tool
Taxation of annuities both during the owner’s lifetime and after death
The various features of annuities and their cost
When an annuity is considered an investment versus a risk management tool
Features and costs of index annuities
When and when not to use trusts with annuities
Annuities and estate planning
Discussion of common arguments used both for and against annuities

What’s New in the 2nd Edition:

Updated Second Edition offers extended coverage on:

Expanded analysis of the value of tax deferral in VAs
A brand new chapter on “longevity annuities”
New rules on Roth conversions of IRA annuities
New rules on calculating RMDs for IRA annuities
Updates on trusts as owners of annuities and transfers of annuities into trusts
Expansion on taxation rules for partial versus full surrenders
Updated for new IRS rules on partial 1035 exchanges

About the Authors:

John L. Olsen, CLU, ChFC, AEP is a financial and estate planner practicing in St. Louis County, MO. In addition to working with his own clients, John works with other advisors on advanced cases and product selection and offers independent consulting on financial planning software. He is also a highly sought-after speaker, having given presentations on financial, insurance, and estate planning, software selection, and other topics to many industry groups.

Michael E. Kitces, MSFS, CFP®, CLU, ChFC, RHU, REBC, CASL, is Director of Financial Planning for Pinnacle Advisory Group, a private wealth management firm located in Columbia, Maryland . In addition to the financial planning work he does on behalf of Pinnacle s clients, Michael is also a very active speaker, writer, and editor, works with other financial professionals on advanced financial planning topics, and is regularly interviewed by national consumer and trade publications on a broad variety of financial planning topics.

List Price: $57.00

Price: $42.75

You save: $14.25

Read More

The Annuity Handbook, 4th Edition has been updated with the latest available information on nonqualified annuities to provide a comprehensive look at the most current information on the markets, compliance issues, taxation, and uses of annuities.
What’s NEW in the 4th Edition:

Product Features:

Market value adjustments

Guaranteed minimum interest rate index

Discussion of owner-driven contracts vs. annuitant contracts

Bonus annuities

Guaranteed death beneftis in variable annuities
Uses of Annuities:

Trust ownership of annuities

Use of annuity payouts and settlement options for retirement income distribution planning

Split annuity sales idea

Annuities owned by Medicaid applicants/recipients

Expanded discussion of annuities and retirement planning to include retirement income distribution considerations
Compliance:

New suitability requirements for fixed annuities sold to seniors

Compliance considerations in selling variable annuities – Investor Alerts, etc. from NASD
Tax Updates:

Systematic Withdrawals – uses and taxation of

General update of income, gift, and estate tax rates

Updated discussion of Section 1035 exchanges

Expanded discussion of pre-59 1/2 withdrawals and 10% premature penalty tax

Discussion of whether annuity “losses” are deductible

List Price: $51.00

Price: $35.70

You save: $15.30

Read More

Annuity Training provides an in-depth examination of annuities with an emphasis on the classification and contract provisions and the types of annuity plans available and their benefits. This textbook provides a wealth of information regarding annuities, including history, types and classification and the taxation of annuities. This textbook is a good source of information both for those new to annuities as well as a great review for those who are the more experienced in the field.

List Price: $9.99

Read More