STEVEN H asked:


I have had my liscense for over a year,and I have worked for a insurance company,but I want to go on my own and become non-captive. This will allow me to gain more capital and be my own boss. But I need to know where to start to find a company that will allow me to be non-captive. Where should I look? I looked all over the internet and cant seem to find one website.

GLORIA

Rob F asked:


I have a family member that has passed and she had multiple very large annuities and none of the existing relatives can find them. How do you find the annuities? Thanks!

AMANDA

delanceyburnett asked:


sorry i didnt see i was limited to characters. my understanding on annuities is that you only pay tax on the money you take out of the account . would it still be labled capital gains and still be subject to tax any way?

MILDRED

Sunshine asked:


Does that make a difference in how often it pays out?

JERRY

KatGuy asked:


Equity-indexed annuities offer extremely high commissions to EIA salespeople compared to other products - why is that?

HAROLD

george_careyii asked:


what is the formula to figure this out?

DONNA

Mo c asked:


Say an interest rate of 5.5% and 7.5%.

DONALD

asked:


a. $2,500 a year for 10 years discounted back to the present at 7 percent
b. $70 a year for 3 years discounted back to the present at 3 percent
c. $280 a year for 7 years discounted back to the present at 6 percent
d. $500 a year for 10 years discounted back to the present at 10 percent

EDWARD

Jeffamo asked:


My dad is 71 and has dimensia. We are trying to put his finances in order. We want to consolidate his investments into safe holdings. We are thinking of CD’s and Money Market accounts but have been advised by a banker to put into annuities. I recall bad press about this?

BRIAN

j55 asked:


Okay. I understand that annuities are mostly for those that have maxed out their 401(k), 403(b), and IRAs. I also understand that with the high fees that come with them, you might be better off with stocks or mutual funds. With all of my knowledge of investing, I have yet to find a retirement or some other type of account besides the accounts mentioned above that will pay me monthly income for life and also pay the remaining to my heirs. I am 45+ years away from retirement. Any ideas?

JERRY