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secondary market annuities pros and cons
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Analysis:  With a Secondary Market Annuity, you are making an investment that is over when the principal and interest is paid back. If you know you need to secure an income for retirement that you and your spouse can never outlive, you should consider a Lifetime Income Guarantee (AKA LIG) policy, with Secondary Market Annuities filling in the years prior to the LIG starts.

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Analysis: Create a Trust to be the receiving entity, to skip probate.  Plus, nearly all our payment streams use a servicing company to receive the payments, for ease of reassignment or change of payee.  Consult your own tax and estate planners regarding Trusts.

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Analysis: Devote only that portion of your assets that you can safely set aside in a fixed and long term investment.  While a payment stream can be re-sold or transferred, market rates at the time of sale would determine the value.

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Analysis: Devote only that portion of your assets that you can safely set aside in a fixed and long term investment.

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Analysis: Consider a Secondary Market Annuity as a “Yield To Maturity” investment. Devote only that portion of your assets that you can safely set aside in a fixed and long term investment.  If you feel you may have a need to sell and can do so at a profit, it can be done easily with the servicing company.

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