نتائج طلاب العراق 2013

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تاريخ التسجيل : 27/01/2013

مُساهمةموضوع: life annuity calculator life annuity rates life income fundfixed term annuity   السبت فبراير 09, 2013 1:11 am

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Life annuity



A
life annuity is a financial contract in the form of an insurance
product according to which a seller (issuer) — typically a financial
institution such as a life insurance company — makes a series of future
payments to a buyer (annuitant) in exchange for the immediate payment of
a lump sum (single-payment annuity) or a series of regular payments
(regular-payment annuity), prior to the onset of the annuity.

The
payment stream from the issuer to the annuitant has an unknown duration
based principally upon the date of death of the annuitant. At this
point the contract will terminate and the remainder of the fund
accumulated is forfeited unless there are other annuitants or
beneficiaries in the contract. Thus a life annuity is a form of
longevity insurance, where the uncertainty of an individual's lifespan
is transferred from the individual to the insurer, which reduces its own
uncertainty by pooling many clients. Annuities can be purchased to
provide an income during retirement, or originate from a structured
settlement of a personal injury lawsuit.


Phases of an annuity

There are two possible phases for an annuity:

The accumulation phase in which the customer deposits and accumulates money into an account, and ;
The distribution phase in which the insurance company makes income
payments until the death of the annuitants named in the contract.

It
is possible to structure an annuity contract so that it has only the
distribution phase; such a contract is called an immediate annuity.

Annuity
contracts with a deferral phase—deferred annuities—are essentially
two-phase annuities, but only having growth of capital by investment in
the accumulation phase (now the deferral phase), with no customer
deposits.

The phases of an annuity can be combined in the fusion
of a retirement savings and retirement payment plan: the annuitant makes
regular contributions to the annuity until a certain date and then
receives regular payments from it until death. Sometimes there is a life
insurance component added so that if the annuitant dies before annuity
payments begin, a beneficiary gets either a lump sum or annuity
payments.

Decision to defer or not

The
option to defer purchase of an annuity (choosing income drawdown
instead) has the benefit of investment flexibility, offset by the lower
annuity which one will be able to purchase later after having drawn down
the capital (mortality drag). Interest rates and inflation can affect
the decision to purchase, as they are reflected in the annuity rates,
and also affect secure investment potential by varying bond yields.
Inflation deteriorates the buying power of an annuity and can therefore
be a concern, however inflation-indexed plans have been marketed.[7]
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