Скачать или смотреть The Power of Income with Deferred Annuities (The Accumulation Period Series)

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Lump-sum withdrawal: A policy owner can withdraw all of the funds in an annuity in a single lump sum. Such a withdrawal is considered a surrender of the policy and the annuity ends. Depending on the policy and the length of time it has been in force, the insurance company may impose surrender charges, generally expressed as a percentage of the balance.
Partial withdrawal: Many annuity policies allow an owner to withdraw a certain portion of the balance each year, usually 10% - 15%, without a surrender charge.
Partial annuitization: Beginning in 2011, federal income tax law allows a portion of a nonqualified annuity contract, endowment, or life insurance contract to be annuitized while the balance is not, provided that the annuitization period is for 10 years or more, or is for the lives of one or more individuals.
Life only annuity: Regular payments are made for as long as the annuitant lives. When the annuitant dies, payments cease and no refund is made, even if the policy owner has not recovered the initial investment.
Life with term certain: Regular payments are made for the life of the annuitant or a specified number of years. If the annuitant dies before the specified term has passed, annuity payments continue to a beneficiary for the remainder of the term.
Joint and survivor: Regular payments are made over the lives of two individuals. When one dies, annuity payments (or a specified portion) continue to the survivor.
Refund options: Regular payments are made over the lifetime of the annuitant. However, if the annuitant dies before the policy owner's investment has been recovered, the balance is refunded to a named beneficiary through either a lump-sum payment or continued annuity payments.

Specified amount: Payments of a set amount are paid out regularly as long as there is money in the account.
Before annuitization: Funds withdrawn from an annuity prior to annuitization are considered to be made first from interest or other growth. These earnings are taxable as ordinary income. If the annuity owner is under age 59½ at the time a withdrawal is made, the earnings are also subject to a 10% federal tax penalty, unless an exception applies. If earnings are completely withdrawn and payments are then made from the owner's initial investment, the payment is treated as a tax-free recovery of basis.

After annuitization: Regular annuity payments are treated as being composed of part earnings and part return of investment. The earnings portion is taxable as ordinary income. Once the owner has completely recovered his or her investment, all remaining payments are fully taxable as ordinary income. In some situations, if the owner is under age 59½ when payments are received, a 10% federal penalty tax may apply.

Estate taxes: Any amount payable to a beneficiary under an annuity by reason of an owner's death is includible in the owner's gross estate. If an annuitant or owner receiving payments under a life-only annuity dies, no further payments are due and nothing is includible in his or her estate.

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