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- Annuity Resources
- Annuity Types
- Non-Qualified Annuities
Get highly competitive non-qualified annuity quotes and save! When you’re in need of a solution to your retirement needs, a non-qualified annuity may be the ideal solution. Gaining an understanding of annuities will help you make the best decision for your future. A non-qualified annuity features a specified fund amount, which is paid back over a pre-determined period of time. This sum can be paid out as a lump sum or as payments over time and the funds can come from a variety of sources. With flexibility and various benefits, now may be the time to review quotes so you can decide if this is the right choice for you.
The Funds for Non-Qualified Annuities Can Come From:
- Mutual Funds, Investments, & Other non-IRA Accounts
- Certificates of Deposit
- Real Estate or Property Sale Proceeds
- Inheritance of Life Insurance Payouts
- Money Market Accounts
- Savings Accounts
- Any Other Post-Tax Monies
When you’re in need of a solution to your financial needs in the future, you may want to consider online annuities.
Payment Options for Non-Qualified Annuities
Like most other annuities, non-qualified annuity rates reflect payments that will begin upon retirement. Payments are typically subject to state and federal tax regulations. When the annuitant contributes to a non-qualified annuity, there will be an initial investment and contributions made over the life of the annuity. Upon retirement, the annuitant becomes the beneficiary of the payments, which are typically used as an effective and flexible retirement savings vehicle. Even though contributions are made with after-tax dollars, payments will be disbursed after being subject to taxes. The many features of non-qualified annuities make them a popular option when planning for the future.
The annuitant can select to have payments made in a lump sum or over time in order to meet their specific financial needs. The downfall of a lump-sum distribution is that it can be subject to hefty tax penalties in certain situations. Receiving regular payments for life can be a more feasible option which gives you access to monies over the long-term, which can be of benefit during retirement. Either payment option you select gives you many ways to make the most of your non-qualified annuities quotes.
Qualified Versus Non-Qualified Annuities
When shopping for online annuities, you’ll find both qualified and non-qualified annuities available. Qualified annuities will be purchased through an employer and will qualify for tax deferral. In most cases, qualified annuities will come directly from a 401 k or other retirement account. If this is not an option, a non-qualified annuity allows you to take advantage of the many benefits of annuities even if you are unable to purchase your annuity through an employer.
If you’re in search of non-qualified annuity quotes, US Insurance Online gives you access to referrals, quotes, and rates from a variety of providers. With our help, you can save time and money in your search, which will allow you to select the best non-qualified annuity rates for your needs.
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