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Annuity
A contract sold by Insurance Companies that offer tax-deferred accumulation of earnings and various distribution options, such as: partial withdrawals, full surrender, or a guaranteed income ( called Annuitization ) for life, or for a specific amount of time.
Disability Insurance
An insurance contract that covers a group of individuals who are affiliated in some way; either through an employer, trade association, or other organizations.
An insurance contract that covers a group of individuals who are affiliated in some way, either through an employer, trade association, or other organization.
An insurance policy (life, health, or disability) that provides coverage for an individual (and, in some cases, family members), as opposed to a group policy that provides coverage for a group of individuals.
A legal contract between an insurance company and an owner/insured to provide protection against adverse financial consequences of the death of an individual in the form of payment to a beneficiary.
An insurance contract that pays benefits in the event the insured needs long-term medical care in a facility other than a hospital.
A life insurance policy that covers two lives under one contract. The death benefit is paid on the death of the second person; nothing is paid at the death of the first person and premiums must continue to be paid until the death of the second party. Also known as a survivorship policy.
A type of annuity that has a variety of investment options available for your selection. The rate of return you receive will depend on the performance of the investments you choose. Your money grows tax deferred until withdrawal. Premature withdrawals may incur a 10 percent federal penalty tax.