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More on annuities 3 1 2023

 Annuities gush cash ? 

Because of my article a few weeks back on triggered annuities (my term), I received more than the usual amount of emails.

In response, I thought I would lay out some more details about annuities in general.

An annuity is a contract between you and an insurance company. You can obtain annuities through banks, advisors, insurance agents or financial planners, but only insurance companies write the actual policies. The companies are usually multi-billion dollar entities, highly regulated with publically available financial ratings which you can find easily on the web.

The buyer of the annuity pays one lump sum to the insurer or can elect to make regular installment payments over time depending on preference.

The insurer promises to pay you back either in periodic payments or in a lump sum. Annuities can be tax deferred, meaning during the growth period your investment may compound at a greater rate than one subject to yearly taxation.

Basically there are three types that fall into two categories. The three types are:

Fixed, variable, and fixed-indexed (my favorite).

Fixed annuities offer a fixed and guaranteed rate of return. Much like a CD or any other type of investment that offers an interest rate back to the customer, fixed annuities do basically the same thing.

Variable annuities track an underlying investment such as a stock market or hybrid index and its payments and value can go up or down depending on index performance.

Fixed-index annuities, similar to a variable annuity, track an underlying “index” but may provide principal protection in a down market. An opportunity for growth exists when the underlying index performs positively within a measuring period but there is never any downside. The “triggered” annuity I wrote about falls into this category and may offer a guaranteed return no matter what. Find the past “Triggered” annuity article here (

The two categories of annuities are immediate and deferred.

An immediate annuity starts paying you back as soon as you sign the contract, while the deferred annuity starts the payments sometime in the future.

For a long time, I was not a big fan of annuities and in my opinion, they were sort of the wild west of investing. Many were complicated, fee expensive and convoluted.

However, in recent years, I find many have been simplified, streamlined and constructed in a way that is easily understood and easily explained. And a few are downright brilliant. My opinion of course.

Annuities are not for all investors but they do have their place, and in many cases help alleviate the stress of up and down markets. As explained above, some offer guaranteed returns and some offer 100% principal protection yet possible stock market participation in up markets without the downside. One could argue the best of both worlds.

Keep in mind, variable annuities DO have downside risk, so make sure you understand the difference between a fixed and variable annuity.

A common complaint about annuities in the past is buyers of annuities lock up their money for the duration of the contract, making it in essence an illiquid investment. This is not entirely true in today’s annuity environment as many annuities allow for periodic withdrawals up to a certain percentage of the account without penalty.

In a nutshell, properly selected, and quoting from my favorite types here, certain annuities can guarantee your entire investment thereby eliminating the stress that comes with the ups and downs of today’s markets. Simply put, one has the possibility to participate in up markets, yet not take part in the down ones and possibly even earn interest during that time. You can withdraw a portion of your cash if needed, and avoid the bite of the tax man by the deferment quality of the investment.

Annuities don’t have to be complicated. In fact, they shouldn’t be. If you find one that is, look elsewhere. There are many offerings out there that may meet with your risk tolerance and investment expectations and are easy to understand.

As always, make sure you understand all the ins and outs of any investment you are considering. A capable financial professional should be able to help you navigate the annuity options out there in a way that is simple and easy to understand.

Annuities may not be for everyone, but for some, they might be exactly what the doctor ordered.

“Watching the markets so you don’t have to”


(As mentioned please use the below disclaimer exactly) THANKS   (Regulations)

This article expresses the opinion of Marc Cuniberti and is not meant as investment advice, or a recommendation to buy or sell any securities, nor represents the opinion of any bank, investment firm or RIA, nor this media outlet, its staff, members or underwriters. Annuities are not FDIC insured and guaranteed by the underlying insurance company. Early withdrawal penalties may apply. See your tax professional for all tax inquiries. Mr. Cuniberti holds a B.A. in Economics with honors, 1979, and California Insurance License #0L34249. His website is, and was recently voted Best Financial Advisor in Nevada County. (530) 559-1214..





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Insurance can protect you and your family from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to achieve goals like buying a house or retiring comfortably. I have access to a variety of insurance products that can help meet your security planning needs. No matter your personal situation—if you’re single or in a family; a professional or a seasonal employee; an executive or small business owner—we will work together to design a customized plan.

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  • Annuities for income and growth

A Word about Life insurance:

In the event of death, life insurance may offer surviving family members financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents.


The advantages of life insurance include:

  • An instant estate for your loved ones at a time when funds are most needed
  • Death benefits that are almost always non-taxable for named beneficiaries
  • Avoid probate costs if you name a beneficiary other than your estate
  • Potentially offer your loved ones creditor protection through some life insurance plans
  • Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans


Long-term Care, Disability and Critical Illness insurance, Lifetime income strategies and Medicare:

Help protect one of your most valuable assets – your income – from unexpected events through long-term care, disability and critical illness insurance.

Income is important for both current financial obligations (e.g. grocery bills and mortgage payments) and for future financial security (e.g. planning for your children’s education or for retirement). Just think what might happen if you suddenly lost your income stream through a long-term illness or disability.

Long-term care and disability insurance products help protect your ability to earn an income, which can be affected if you are afflicted by a disability or other condition.

Questions about Medicare? 

I can help navigage the programs.

I can also help you choose the long-term care and disability insurance products that provide advantages like:

  • May assist in transfer of assets. 
  • Help loved ones 
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  • Support the buy-out of a disabled partner’s share of a business.


Critical illness insurance and Medicare Policies

Suffering a critical illness is distressing for both you and your family. Help ease the burden through insurance that will reduce financial stresses and can complement disability and life insurance protection needs. By helping pay for the additional expenses often associated with a critical illness or condition, insurance offers you, your family, and if applicable, your business, added financial security—so you can focus on recovery.

The advantages of critical illness insurance can include:

  • Coverage for up to 22 critical illnesses or conditions
  • An initial lump-sum benefit you can use however you wish—from making mortgage payments to seeking medical treatment outside Canada
  • Home-care costs during illness and recovery periods
  • Even if you’re not disabled from working, you may receive payment
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  • Individuals who cannot obtain disability insurance in some cases still qualify for critical illness coverage (e.g. a non-income earning spouse)
  • Medicare Policies and information. Let me walk you through the best options for your situation

Contact me today to determine whether critical illness insurance fits into your financial security plan.


There are also new “hybrid” plans available that combine the benefits of life insurance or annuities with long term care coverage and at a cost that may be more affordable than you think. Contact me today so we can assess your needs and develop the best strategies for your specific situation to give you the peace of mind you require and protect your family and loved ones.


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