09 March 2011

different types of annuities - tips

different types of annuities : There are many different types of annuity to choose from. Standard ones pay a fixed amount month in and month out for the rest of your life. Others pay a lower rate from the start, but can be increased by a set percentage, or by inflation, every year from then on.


You can also find annuities which guarantee to return a set amount of capital to your estate if you die within a very short time of taking one out, or so-called 'joint life' annuities which continue to pay out to a spouse if you die within a certain number of years.

There are also 'with-profits' annuities, plans which were introduced to help people if annuity rates are low when they retire.

With-profits plans aim to help you share in the profits of the life insurance company rather than having to take the fixed rate of interest set at the start.

However, because the profits of the insurance company can fluctuate, they do not have the level of certainty associated with the more traditional policies. The starting income may be lower, and the annual level of income could fluctuate up or down.

There are also unit-linked annuities that are linked to stock market performance. These aim to pay more over the years as market growth comes through. But this cannot be guaranteed, so they are not for cautious investors.

TIPs: Because there are so many different types of annuities, with different starting incomes and different target incomes, it may pay to use a specialist independent financial adviser to help you find the right one for your circumstances.

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