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SpinDistribute.com Article Directory

The following article was published in our article directory on April 30, 2014.
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What Is Annuity Marketing?

Article Category: Finances

Author Name: John Wellington

Annuity Marketing (also known as "Life Annuity") is a financial contract that is being presented in the form of insurance products or services. Here, the issuer (or seller) utilizes a number of succeeding payments to the target buyer in exchange for quick payment of "lump-sum" annuities.

Life Annuity Types

Along with the "more complex" options provided by companies, the most commonly-used types of life annuity are:

Impaired annuities - For the last ten years, there has been a significant growth in the expansion of impaired annuities. This involves gradual improvement of terms offered for medical diagnoses (which is very important in determining life expectancy).

Joint annuities - Also referred to as "Multiple Annuities", this type of annuity marketing is where all payments are being settled after the death of one or two annuitants by a relative. An annuity can be structured in terms of settling payments to the death of a relative or friend. In joint annuity however, the succeeding annuitant can reduce the payment.

Guaranteed annuities - With a guaranteed annuity marketing, first annuitants may reduce their regular payments prior to convalescing the value of initial investments. In this type of life annuity, the issuer is required to settle annuity payments for at least three times yearly.

Variable annuities - Annuities making payments in variable and fixed amounts are based on the overall investment performance of marketers. Variable annuities are used for many objectives. The most common of which is that the deferral of taxable market will be gained. In variable annuity, the money deposited will increase based on tax deferrals.

Annuity Marketing in Various Countries

In Canada, life annuity is often purchased by individuals who are about to retire from work. The monthly payments settled are 100% taxable and can be withdrawn anytime during their retirement age. In addition, the income from annuities that were earlier purchased is divided between the capital returns and interests earned.

In the UK, annuity marketing is granted for people under age 75 (As stated by the country's coalition government rule approved in 2011). This allows them to postpone their decisions in purchasing or marketing annuities. There are hundreds of life annuities available in the UK, but the most popular are those in which funds are being used to market a single annuity (for pensioning purposes).

Compulsory Annuity Purchase is a distinct type of annuity marketing in which the profit annuities are marketed from savings. The British International Longevity Center is the first company to use legitimate life annuity services in 2007.

In the US, the annuitant pays the immediate and single-premium annuities using a single lump-sum amount. In return, the annuity begins to make customary payments within one to two years. In some cases, life annuity is granted among retirees who are given the option of withdrawing money using their Individual Retirement Account or IRA.

The disadvantage of life annuity is that the payments settled are irrevocable and don't guarantee lifetime income among retirees.

Keywords: insurance marketing, insurance leads, annuity marketing, annuity leads

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