Selling your annuity for cash immediately

cash immediately

selling your annuity for cash immediately

Keituber.com – 1 CD diasuransikan hingga $250.000 per deposit. Pada akhir masa jatuh tempo CD, jumlah investasi dan bunga penuh tersedia kembali, tetapi dengan tunjangan penghasilan, setiap pembayaran termasuk pengembalian bunga dan premi.

2 Perusahaan Asuransi Jiwa New York dan Perusahaan Asuransi Jiwa & Anuitas New York saat ini menerima peringkat kekuatan finansial tertinggi dari semua perusahaan asuransi jiwa AS oleh Standard & Poor’s (AA+). SAYA Luar Biasa (A++); Moody’s (AA); dan Fitch (AAA). Sumber: Laporan rating pihak ketiga individual per 15/10/2020.

3 New York Life Guaranteed Lifetime Income Anuities dan New York Life Guaranteed Future Income Anuities (GFIs) ditawarkan oleh New York Life Insurance and Annuity Corporation (NYLIAC), sebuah perusahaan Delaware, yang sepenuhnya dimiliki oleh New York Life Insurance Company, 51 Madison. Avenue, New York, NY 10010. Produk tersedia di wilayah resmi.

4 Penghasilan akan sepenuhnya dikenakan pajak pada saat penerimaan. Anda harus berkonsultasi dengan penasihat pajak Anda sendiri sebelum menerapkan fitur penghindaran apa pun, seperti percepatan atau penarikan pembayaran, untuk menentukan konsekuensi dan penalti pajak, termasuk penalti lanjutan, yang mungkin berlaku untuk polis yang dibeli sebelum usia 59½. Opsi dan fitur pembayaran hanya tersedia di wilayah resmi.

Kontrak ini tidak memiliki nilai penyerahan tunai, dan kontrak di mana opsi pembayaran seumur hidup dipilih tidak memberikan tunjangan kematian sebelum atau setelah tanggal mulai pendapatan yang ditentukan. Semua jaminan tunduk pada perjanjian kontraktual, pengecualian dan batasan, dan kemampuan NYLIAC untuk membayar klaim. Selain itu, kontrak GFI tidak mengizinkan penarikan sebelum Tanggal Mulai Penghasilan dan setidaknya selama Anuitas Tertanggung Penghasilan masih hidup, kecuali penerima tunjangan masih hidup pada Tanggal Mulai Penghasilan yang ditentukan.

Untuk sebagian besar yurisdiksi, nomor formulir polis ICC11-P102 untuk New York Life Insurance Lifetime Income Annuities adalah nomor formulir polis ICC11-P102. 211-P102 dan variasi status mungkin berlaku.

Untuk sebagian besar yurisdiksi, nomor formulir polis ICC11-P100 untuk New York Life Insurance adalah Future Income Annuity. 211-P100 dan variasi status mungkin berlaku.

 CDs are FDIC insured up to $250,000 per deposit. At the end of the maturity term, the full investment amount of the CD, plus interest, becomes available again, whereas with an income annuity each payment includes both interest and return of premium.

2 New York Life Insurance Company and New York Life Insurance and Annuity Corporation have received the highest financial strength ratings currently awarded to any U.S. life insurer by Standard & Poor’s (AA+); A.M. Best (A++); Moody’s (Aaa); and Fitch (AAA). Source: Individual Third-Party Ratings Reports as of 10/15/2020.

3 The New York Life Guaranteed Lifetime Income Annuity and New York Life Guaranteed Future Income Annuity (GFI) are issued by New York Life Insurance and Annuity Corporation (NYLIAC), A Delaware Corporation, a wholly owned subsidiary of New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010. Products are available in jurisdictions where approved.

4 Proceeds will be fully taxable at the time of receipt. You should consult your own tax adviser prior to exercising a withdrawal feature, such as payment acceleration or cash withdrawal, under an immediate annuity, to confirm tax consequences and penalties, including a retroactive penalty that may apply to policies purchased prior to age 59½. Payment options and features are available only in jurisdictions where approved. 

These contracts have no cash surrender value, and contracts in which a Life Only payout option is selected do not provide a death benefit either prior to, or after, the designated income start date. All guarantees are subject to contract terms, exclusions and limitations, and the claims-paying ability of NYLIAC. Additionally, the GFI contract does not permit withdrawals prior to the income start date, and it guarantees income payments at least as long as the annuitant is living, provided the annuitant is alive on the designated income start date.

For most jurisdictions, the policy form number for the New York Life Guaranteed Lifetime Income Annuity is ICC11-P102; it may be 211-P102 and state variations may apply. 

For most jurisdictions, the policy form number for the New York Life Guaranteed Future Income Annuity is ICC11-P100; it may be 211-P100 and state variations may apply. 

Leave a Reply

Your email address will not be published. Required fields are marked *