The reverse annuity mortgage was made with the purpose of giving senior citizens and easy way to tap into the equity in their homes. This type of loan has the lender paying the borrower every month rather than the other way around. This included with the fact that the loan is not paid for until the home is sold or the owner dies makes it a beneficial way for someone over the age of sixty two to get a hold of money without the fear of losing their home. Just like any other loan however you need to make sure this is the right choice before proceeding.

This type of loan similarly to a home equity loan can either be taken on in a lump sum, monthly payments, or in some cases in a line of credit. The main difference between this and a home equity loan is of course that the borrower will not have to pay back the loan in their life time unless they decide to sell the home. They will be able to continue living in the home for as long as they want.

This means that the home however cannot be willed to anyone since it will need to be sold in order to pay for the loan. There are cases that lenders will be willing to work something out with the family if they are looking to keep the home.

For more resources about mortgage rate or even about mortgage loan and especially about second mortgage, please review these links.

Groshan Fabiola
http://www.articlesbase.com/business-articles/reverse-annuity-mortgages-113255.html

Deferred annuities possess characteristics found nowhere else. They play an important part in seniors’ portfolios.

Seniors hold billions of dollars in deferred annuities. However, my experience is that the average person knows little about the unique advantages of deferred annuities, much less the options they have during the holding period.

When you mention the term, “annuity”, it typically conjures up thoughts of getting a small check in the mail every month from some insurance company. It is viewed as an income.

The vast majority, however, of annuities are of the “deferred annuity” variety. They are accounts designed to grow money over a period of time in a safe environment. Over 90% of deferred annuities are never “annuitized”, that is, converted to that monthly check in the mail.

So let’s take a look at some of the attributes of annuities and, in the process, clear up many misunderstandings about this vehicle.

Tax Deferred Earnings

Deferred annuities provide “triple compound interest.” There is interest on principal, interest on interest and interest on the taxes you would have paid on an investment in a non-tax deferred environment.

For example, 6% which is taxable is equivalent to an 8% non-taxed return assuming a combined federal and state tax bracket of 25%.

Safety

While deferred annuities are not FDIC insured, like a CD with a bank, they are backed by the generally billions of dollars of the insurance company’s assets. No big risks here.

A Competitive Interest Rate

Insurance companies normally set the interest rate for a deferred annuity contract annually. You will find that it is usually one to two points above CD rates. So not only do you get a higher rate but the interest is tax-deferred, unlike a CD where you pay taxes on the interest each year.

Some deferred annuities offer a rate that is guaranteed for a number of years, such as five. If you think interest rates will fall, you can lock in today’s rate.

Minimum Interest Guarantee

When you get to the end of your annuity time frame, if your annuity has not given you at least a minimum of (generally) 3% interest per year, then the insurance company will apply their minimum guaranteed rate. Nothing to get excited about, but at least you know that you can’t lose money and there is a minimum interest rate that is guaranteed no matter what.

No Sales Charges

When you move money into a deferred annuity, 100% of the money goes to work for you from day one. There are no sales charges subtracted from your initial deposit.

No Annual Administration Fees

Some places to park money, like mutual funds, may have fees attached to the administration of the fund. Not so with deferred annuities.

Withdrawal Privileges

This is a source of major misunderstanding. Many people do not realize that their money is not as tied up as they think; there are a number of ways to access funds without surrender charge penalties.

1. First, there is the 10% annual free withdrawal privilege. Each year you can take out up to 10% of your account value free of any penalties.

2. If you ever need to go into a nursing home, most insurance companies will allow you to take out whatever you need with no penalty.

3. If your doctor diagnoses you with a terminal illness, you typically can take out any amount penalty free.

4. You can convert all, or a portion, to a guaranteed income. This can be for your life, your life plus another (i.e. husband and wife) or for a set number of years.

5. There are a handful of new products on the market which will set you up with a pay out at a guaranteed interest rate for the rest of your life, but also allow you to retain control of the principal. In other words, the annuity is never “annuitized.”

The interest rate is typically a function of your age. For example, if you are 65, the interest rate is 5%; 70 would be 6%; 75 pays 7%.

Free of Probate

This feature will vary by state, but in those states in which this feature is applied, an annuity is not included as a probate asset. Hence it is free of any probate fees or any delays in passing the funds to your beneficiaries. The normal requirement, however, is that the annuity must have a named beneficiary.

Free From Creditors

Again, this will vary from state to state. If you live in a state where this applies, this is added peace of mind that the money in your deferred annuity is safe in the event of a financial reversal.

Surrender Charges

Folks who object to deferred annuities usually bring up the fact that there are surrender charges that make getting their hands on the money costly. To a certain degree this is true. In order for the insurance company to go on the hook for the guarantees in the contract, they need to put some strings on accessing the funds.

However, these surrender charges decrease over time. Eventually they disappear altogether. In addition, after you have held your contract for a certain number of years (five is typical), you can take all or some of the money out over a five (sometimes ten) year period with no surrender charges.

The bottom line is that the surrender charge issue can be circumvented in a number of instances. Remember, deferred annuities are longer term scenarios. You certainly wouldn’t want to put emergency fund money or money you are going to use to buy a new car in two years into a deferred annuity contract to begin with.

So there you have it. Ten features of a deferred annuity, which will add to your understanding of this product.

Robert D. Cavanaugh, CLU
http://www.articlesbase.com/investing-articles/ten-things-the-average-person-does-not-know-about-annuities-137554.html

Intellectual asset management is a structured and disciplined approach for turning ideas and knowledge into intellectual property and revenues.

Implementing an intellectual asset management program requires a process driven approach. A process is “a sequence of activities that take an input and produce an output. In business, a process is supposed to add value to the input before producing the output.” Each step of an intellectual asset management process informs and directs the other, leading to greater efficiency with existing efforts.

Intellectual asset management program provides productive synchronicity between innovation management, patent management, intellectual property licensing and IP enforcement, thereby attaining efficiencies in many inter-connected business processes.

Leading companies in almost every industry have acknowledged the need for an effective intellectual asset management program. Companies such as IBM, Texas Instruments, Du Pont, Dow Chemical, Hewlett-Packard, Xerox, Eastman Chemical, Rockwell, Mark and Cadbury Schwepps, among others, have achieved significant profit increases from their intellectual asset management program. Billions of dollars in revenues have been generated from intellectual assets that are identified, managed and licensed through corporate IAM programs. In this paper, we briefly analyze how your organization can gain the same benefits than several leading companies have achieved.

Implementing successful intellectual asset management (IAM) processes requires five fundamental pieces within an organization: an intellectual asset management strategy, a dedicated team, well defined processes, infrastructure and systems, and metrics for continuous improvement.

Intellectual Asset Management Strategy

Developing an intellectual asset management strategy starts with alignment with corporate strategy. It includes evaluating R&D and engineering practices to accelerate time to market and enhance the effectiveness of intellectual asset investment decisions. You should consider assessing and implementing organization structures and work processes that support intellectual asset management strategy. Successful intellectual asset management strategy is much more than a process for patenting and licensing inventions. It takes into account all types of intellectual assets.

These assets include valuable information and trade secrets as well as patentable inventions. For most companies, patents are just the tip of the iceberg. The bulk of intellectual assets are proprietary information, ideas and trade secrets. Your strategy should also include developing and implementing intellectual asset portfolio monitoring and enforcement programs to better protect current products and future development efforts.

A Dedicated Team

To successfully implement the intellectual asset management strategy, you need the support of a dedicated team. With the role of IP legal changing from support to strategic, the team should be comprised of members with complementary skill sets, including engineering, R&D, IP legal and outside law firms. Acceptance from inventor community is critical for the program to work. Clear communication, simplicity and adaptability to their culture goes a long way into setting the right course for long term success.

Well Defined Processes

Effective intellectual asset management is a process and not an event. Process optimization has the biggest short and long term impact on your business. Both you and your extended team achieve significant efficiency improvements. You should work towards mapping each step in your process and automate each administrative task. This approach will reduce cost and significantly decrease the time dedicated to patent management. You should start with setting structure to the innovation management process. By streamlining invention disclosure submission, review and approval process, you can maximize the use of technology skills available throughout the organization and hence improve the

effectiveness of your team in processing new ideas faster. Next, If patents are significant part of your IP portfolio, you should focus on automating patent management process. Whether you use law firms to do most of your patent prosecution or you use a hybrid model, you should map out each task in the process and analyze how it can be delivered with least resources and maximum impact. Similar to patents, you can structure processes for managing trademarks, assertions and enforcement programs, budget and invoicing management.

Infrastructure and Systems

Historically not the first corporate function to receive limited and expensive IT resources, corporate legal departments have operated with a hodge-podge of limited IT automation, piecemeal point solution applications to address a limited set of legal department functions. Such applications were typically created for external law firms, expert at optimizing for billable hours, rather than enabling the corporate legal, and geographically distributed service providers, employee contributors and stakeholders to operate as one for competitive advantage. More recently, while corporations intranet and document management systems have improved the legal departments’ document access, no where – until

Lecorpio – has there been a completely automated, modern and integrated suite of applications designed to optimize not only each legal function’s processes but also enable an extended enterprise, end-to-end collaboration and visibility of intellectual assets and legal processes.

Unlike all current legal application “point solutions” that limit their clients’ operations to how the vendor defines how to run their business with rigidly defined business application logic programmed directly into the product, Lecorpio uniquely provides both the benefits of standalone, turnkey applications for each corporate legal function, but also empowers corporate legal departments to select and choose how they choose to do business and also easily extend their application logic and workflows and do so without expensive, rare and labor intensive traditional computer programming skills. It is designed to work the way you do, work the way your business does, and work the way technology should.

Metrics for continuous improvement

A picture is worth a thousand words. You should make use of an advanced set of visualization tools that provides an easily understood visual essence of every import metric for your legal department. Spot trends, find anomalies, identify strengths and weaknesses by leveraging your legal assets data. The metrics should be designed to help your team understand what’s happening from both 50,000 feet and 5 feet level. By conducting historical and comparative trend analyses to gain insight into emerging opportunities and critical issues, you gain a competitive advantage over your competition.

Transform Operations and Maximize effectiveness with Lecorpio

Lecorpio, the leading provider of Legal Resource Management (LRM) solutions, empowers the world’s leading corporate legal departments, internal corporate constituents and law firms to do more with less with an integrated and collaborative suite of software solutions to automate, manage and optimize all legal functions and processes, individually or “end to end” across the extended enterprise.

Lecorpio Legal Resource Management includes applications for innovation management, patent management, trademark management, IP assertions and enforcement management, licensing compliance management, spend management, contract management, open source management and entity management.

* Lecorpio innovation management provides form, discipline and structure to the invention disclosure process. Innovation Management enables inventors to be actively involved in a dialogue with the legal department and gain insight into how their submissions are moving through the process. This provides organizations gain broader access to ideas and process them for better results. Innovation management provides right information in the right people’s hands at the right time. Each participant in the process is notified when they are needed to perform a task, and alarms are triggered if delays occur. The “top-down” view of the entire process improves strategic planning of solicitations and development of new technology and intellectual property.

* Lecorpio patent management provides for the implementation of measures to ensure that a patent department identifies the right law firm/resources, adequately protects, and controls intellectual property portfolio and budgets. Patent case information is organized into electronic tri-folders analogous to the current paper file folders. All participants in the process, including inventors, in-house counsels, law firm attorneys, administrators, docketing clerks, annuity payment service providers and others, are linked to this database and given

selective access to information relevant to their role in the process. Access privileges are controlled so that each participant sees only what is necessary to carry out their responsibilities. Docketing management is fully integrated with case files, docketing is automatically associated with cases, and the user can instantly link from docket to the case file, or from case file to docket.

* Lecorpio trademark management helps your team collaborate with corporate marketing, product development team members and others throughout the company regarding trademark issues and respond promptly to new trademark search requests. You can manage outside counsels more

efficiently and keep track of budgets, estimates and invoices for each search, filing and registration activity performed by outside counsels.

With Lecorpio trademark management, you can create, manage and analyze your portfolios and cluster them by technology areas, product groups and other business factors. Also, using trademark enforcement management, you can track disputes.

* Lecorpio IP assertion and enforcement management is a robust monitoring system for implementing an effective enforcement program. You can track disputes; create third party profiles, manage incoming/outgoing engagements, manage budget, assess risks and keep track of critical tasks and activities.

* Lecorpio licensing management streamlines the process of creating, managing, implementing, and tracking licensing agreements to optimize revenue, mitigate risk, and improve compliance. With Lecorpio licensing management, you can systematically track and manage your licensing and business agreements, diligently fulfill your contractual responsibilities and track the obligations of your business partners. You can manage various types of agreements such as patent, other IP or software license agreements (both inbound and outbound) and graphically analyze on terms, commitments, and obligations articulated in various agreements.

For more information about Lecorpio and the Lecorpio Legal Resource Management suite of applications, please visit http://www.lecorpio.com or call at 1-408-850-7260

Chris Jones
http://www.articlesbase.com/intellectual-property-articles/implementing-intellectual-asset-management-program-for-the-enterprise-125179.html

With accelerating medical costs the tab can be run up fairly quickly. Any savings or even health insurance may not be even close enough to meet the burden. Home equities can be quickly squeezed and exhausted. The terminal patient (this could be someone severely over weight-family history of heart disease as well-etc.) never intended to leave loved ones holding the ultimate financial bag. It just happens. As thoughts of Ralph Edwards the former host of “This Is Your Life” play out in the brain the mind may race ahead to the final act leaving loved ones to deal with the financial aftermath of this “life”. The obituary might read “He was a great guy/gal, but left his family and loved ones with a ton of unpaid debts.” An alternative for a terminally ill patient (or could be medically challenged and not able to work) may be a “Viatical”. If there is a term life insurance policy or better, such as whole life, universal life, annuity etc., in place or even a paid up policy or one that has monthly payments being made this could quality for the Viatical vehicle.

This then is the ultimate and final use of a handicapper. When life policies are taken out actuaries make a bet when a person is going to die based on their medical history, age, weight, health levels, occupations, smoker, non-smoker, etc. Later on, if the need arises, another handicapper can enter the scene. It is by request only. Viaticals are based on handicapping the rest of a person’s life based on the medical and such to determine by guessing when death might arrive. An investor will bid on a discounted basis on the face amount of the policy to give the insured and beneficiaries cash right now. A terminally ill patient may want to get their financial affairs cleaned up before dying so as not to stick love ones with a financial disaster. This comes home to anyone who in addition is dealing with the terminal illness but may be facing foreclosure from their home, cars repossessed, credit that has long since gone down the drain and a whole new layer of stress in the circle of concerned and effected loved ones. What to do, ride it out and let the chips fall where they may, OR make an effort to get it handled now and bring some peace to everyone by taking care of the financial affairs before death. Yes there will be a substantial reduction in the face value of the policy by taking a cash advance now, but it may save a lot of pain for immediate survivors. This is not for everyone. Obviously, if there is no life insurance policy in place for the terminally ill patient, this will not be an option.

When Groucho Marx was host of the “You Bet Your Life” game show, it was a very funny game show. This, however, becomes the ultimate “bet” for an insured life and certainly it’s not too funny, but it represents one alternative. On the one hand the beneficiaries of the policy want the absolute most possible cash versus the face value of the policy, whereas the investor doesn’t want to pay too much if the terminally ill patient makes a miraculous recovery and the return to the investor is delayed by years. So the arm wrestling is engaged and negotiations are mounted. Medical histories and doctor input (with the patients written permission) together with the life policy product are all utilized to come up with a number. Decisions have to be made. Is the cash enough or should the premiums be maintained (if required) and let nature take its course. It’s a delicate balance between patient needs and cleaning up ones financial affairs before death. This ‘Dark Alternative’ has received massive negative press. Investigations were initiated against some of the handicapper players for taking advantage of the life policy insured, which were perceived to be the most vulnerable. However, would it be better for the family to be set out on the curb when the sheriff issues the final eviction on the foreclosure? Would it be better for the family cars to be repossessed for non-payment? Would it be good for survivors to have wages attached through garnishment? Talk about life interrupted, this is a major stress magnet for all parties involved not the least of which is the insured. So who is to question, if someone is willing to pay cash now for a future benefit. Even multi-billionaire Mr. Warren Buffet was a player in Viaticals for a time. It’s not like there is only one place to go. An insured can select the highest bidder from a whole host of interested parties. Search any online engine and there they are.

After receiving the cash for the life policy the Viatical owner/investor will make any needed payments on the policy to protect their vested position. The insured is relieved of making any additional payments for the rest of their life or when the term of the policy expires such as a stated term policy with conversion priveleges. Here is an example how this might work. These are online publicly published numbers, we can only assume they are true. Source: CIGI Direct (Not an endorsement). The discounts are deep but immediate cash is generated. Each case will totally be different. This is just cursory examples.

Female: 77 (Very Good Health) Male: 68 (Bypass History)

Policy Type: Universal Life Policy Type: Convertible Term Life

Face Amount: $750,000 Face Amount: $200,000

Cash Value: $102,287 Cash Value: $0

Life Settlement to Customer: $137,000. Life Settlement to Customer: $40,500.

Male: 56 (Prostate Cancer History) Male: 66 (Very Good Health)

Policy Type: Convertible Term Life Policy Type: Convertible Term Life

Face Amount: $1,500,000 Face Amount: $1,000,000

Cash Value: $ 0 Cash Value: $0

Life Settlement to Customer: $360,000 Life Settlement to Customer: $24,650

These are just a few examples only. Again, each individual case is different. Each investor in a Viatical will handicap (underwrite) it differently. Consumers need to be aware and shop for the best offer. A focused effort of nailing a good cash settlement through using a Viatical settlement won’t make a day or two difference so a consumer needs to get as many quotes as possible. Once one accumulates the revenant data, it can then be presented to multiple buyer participants who may have an interest. Then with a price settled, papers are signed and a cash transfer is made. Obviously, establishing the correct identification of the insured and determining a valid enforceable insurance contract will need to be verified and proved. There is always the possibility that someone in one’s family or circle of friends may beat the bid and take a position in excess of the highest bid. You never know. It would be worth while to at least inquire. This is no time for family secrets here with the grim reaper lurking about. If a family member can help out in this situation that would be great. They might as well as benefit as opposed to a stranger corporate investor. In this case there could be some mitigation and resolution after death IF the family member would choose to share. Dealing with a company or investor, there would be ZERO chance of that.

In conclusion, this is just another tool to help in credit situations where there are little choices and alternatives. It would be great to be flush with cash, full insurance, huge investment portfolios and such, but some just don’t have it. If there is life insurance place in place and there no other valid alternatives, Viaticals can be an option to consider while Bankruptcy and other options will not work. The ‘Dark Alternative’ can lead to comfort for all parties in the death process, which is all part of life. It may ensure a sense of “Death With Dignity’.

Dale Rogers

www.brokencredit.com

Dale Rogers
http://www.articlesbase.com/loans-articles/viaticals-a-dark-alternative-to-shielding-survivors-from-credit-challenges-of-medical-collections-judgments-120176.html

Company was bought and pension accumulation canceled as of 12/31/06. I have 32 yrs with a 30 and out program. Would my pension be figured starting now (age 54) as opposed to starting at age 65 because of the 30 and out? How does this affect lump sum vs annuity? Is there a published formula for lump sum calculation?

Thanks John

the company should be able to give you all the info you need

I would like to know how pension policies are formed, different types, how annuities are calculated, how payments are made? etc

Pensions vary from sponsor to sponsor, company to company. I'm not sure if there is even a list to compare them all.

If it is true How?

Yes, and no. When you take an annuity, you get paid over time, but when you take cash, you get paid all at once, but not the full amount (otherwise, everyone would take the cash choice). For example, if you won $1,000,000 and chose the annuity, and the annuity was for a period over 20 years, you would get $50,000 per year, before taxes, and that would add up to $1,000,000 before taxes. Now if you chose the cash option, you would get say $500,000 before taxes, but you would have that $500,000 right away instead of getting $50,000 per year. If you wanted to invest that money, more than likely taking that $500,000 and investing it, you would end up with more than the $1,000,000 from the 20 year annuities, over the course of time. Now if you know that all you would do with either the cash option or the annuity option is blow the entire amount of money, then you'd probably be better off taking the annuity, since you'd have 20 years to blow it all, instead of blowing $500,000 in one year. I'm not even going into the taxes effect, but with either option you would have to pay taxes on your winnings.

Interest was recieved monthly and claimed on taxes. The value of the annuity is less then what they purchased it for.

If you paid all your income taxes on the interest then all your interest is not taxable when you with drawl, thanks to the no double taxation laws.

Assuming you do not owe taxes on the principal amount before you put the funds into the annuity then you will not owe any when it comes out.

Annuities take your money for keeps and pay you no more than about 1% above a bank deposit a/c.
- Why should I have to make a compulsory gift to an issurance company?
- Why can I not manage my money myself, if I want to?
- Do you know the magnitude of the annual bonuses in the financial industry? They are obscene
Old know all, you arerepeating the platitudes spouted by the government. It gives me 28% tax relief and then requires me to give that plus my own money to an INSURANCE co., not to the nation. Your last para confuses the huge annual Xmas bonuses the financial industry gives out to ALL senior staff, with the commission paid to its small salesmen who deserve it.

Gem, your scheme will not save you from having to gift 75% of your entire fund to the insurace at cats.

Steve B, Thanks for explaining the Plymouth Brethren loop hole. But even that confiscates you money in the end.

John, I agree with you. UK tax laws fleece the ordinary people, but allow private equity billionaires and their ilk, to pay as little as they like.

Pension arrangements have special tax breaks. You get tax relief on the contributions and the fund is tax sheltered. The rules are designed to make you take the proceeds as an income and not just use the plan as a tax dodge.

By law, insurance companies have to invest annuity funds in Government securities. You get the return on gilts adjusted to take account of your life expectancy. When he was Chancellor, Gordon Brown decided to stop issuing new gilts but insurance companies still have to buy them. With more and more people after a limited supply of gilts, prices are sky high so yields are pathetic. Add to that the fact that people are living longer, and you can see why annuity rates are so poor.

As for bonuses, these are paid to the sales staff. People who flog life assurance have always been grossly overpaid. It's because people are not interested in financial advice and have to be bullied, charmed and threatened into buying the merchandise.

Annuity settlement options can be puzzling. Many people have purchased annuities of all types for the tax deferral feature. For many retirees the time has come to make the shift from accumulation to payout. Here are some considerations to help determine what’s best for you.

The most popular annuity settlement option is annuitization to take payments over a time frame that you select, which may include the rest of your life. When you annuitize, you receive payments (monthly, semi-annually, annually) in exchange for surrendering your annuity to the annuity insurance company. Your annuitization options usually include:

Lifetime Income

Period Certain

Period Certain Plus Life

Here is how Lifetime Income works. Let’s say you have $100,000 in an annuity and the insurance company calculates that, due to your age and gender, it will pay you $1,500 a month for as long as you live. You collect $1,500 the first month, $1,500 the next month, and $1,500 the following month. Then you get run over by a truck and die. You bet the insurance company you would outlive your $100,000 and you lost. $4,500 is all you get; they keep the rest. This is maybe not such a good deal.

Your second option is called Period Certain. This means you can take your money out over a period of 5, 10, 15, or 20 years. The insurance company guarantees to pay out all your money (plus interest) over that period. If you do not live to the end of the period, your beneficiary gets the remaining money in your annuity over the balance of the period. Live or die, you or somebody else gets back all your money.

The third option is Period Certain Plus Life. Here the insurance company guarantees to pay you a check each month for a certain period of time, plus, if you live beyond that period (even if you live to be 150 years old) you’ll receive monthly income that you cannot outlive.

The choices are not so simple. A monk in a monastery, for example, may well expect to live to a ripe old age and do better with a Lifetime Income (Although I wonder what he would spend the money on). Someone with a terminal illness may want to take a lump-sum settlement or a 5-year Period Certain. Take a close look at factors such as your health and spouse’s health, your age and spouse’s age, other sources of income, and your tax bracket.

For more flexibility you could opt for Systematic Withdrawals. In this case, you would receive a fixed percentage of the account value or a fixed monthly amount. You could stop this arrangement at any time and simply withdraw your remaining balance.

Although Systematic Withdrawals appear to have advantages over annuitization, note these two differences: With annuitization as your annuity settlement option, you can lock in a guaranteed monthly income regardless of the performance of your annuity. In addition, annuitization lengthens the tax deferral period since only part of each payment is taxed. The IRS considers the other part of your payments a return of principal.

Finally, you may want to just keep the annuity growing and not take payments at all. Some annuities, however, do not allow this and force withdrawals by a certain age. One option for you is a tax-free exchange to another annuity that may have more liberal withdrawal requirements, but watch out for surrender charges on your existing policy.

You probably never thought getting a check could be so complicated. It’s really not as messy as it sounds. In fact, I have annuity agents all across America who specialize in solving such problems. There is no charge or obligation. To have your choices compared, we would be happy to review any type of annuity settlement option and figure the most appropriate withdrawal option for you. Just click on Professional Review and fill out the form.

Gary Le Mon
http://www.articlesbase.com/insurance-articles/annuity-settlement-options-annuitize-or-lump-sum-69927.html