Annuity Contract Disclaimer Forms

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Commonly Asked Questions about Annuity Contract Disclaimer Forms

What is true about annuities?

An annuity is a written contract typically between you and a life insurance company in which the insurance company makes a series of regularly spaced payments to you in return for a premium or premiums you have paid. An annuity is not life insurance. A life insurance policy provides benefits to your family if you die.

What waivers are found in an annuity contract?

Sometimes annuities waive withdrawal charges in certain situations, such as death, confinement in a nursing home, or terminal illness. Your annuity may also have a limited, free withdrawal feature letting you withdraw, for example, 10% of your contract value annually without a surrender charge.

What is a correct statement about annuities?

The correct statement about annuities is that fixed annuities do not provide protection against inflation. An annuity is a financial product typically provided by insurance companies which allows individuals to receive a fixed or variable stream of income in retirement.

Which of the following statements about annuities is not correct?

The statement regarding annuities that is NOT CORRECT is: If the interest rate is greater than zero, then the future value of an ordinary annuity is greater than the future value of an annuity due.

What is included in an annuity contract?

An annuity contract is an agreement between you and the insurance company, which sets out the terms of an annuity. An annuity is an insurance product that provides a predictable lifetime income, with advantages including tax-deferred growth, death benefits for heirs, and favorable tax treatment.

What do financial experts say about annuities?

More than two-fifths recommend an annuity with guaranteed lifetime income to less than a quarter of their clients. Most professionals who do suggest annuitization recommend variable annuities with a guaranteed income rider.

Which of the following statements is true regarding the concept of annuity contract?

The correct statement regarding the concept of an annuity contract is option b) The kind of annuity selected partly determines the payment amounts to the annuitant.

What is the disclosure obligation for annuities?

The disclosure obligation under subsection F of this section requires that before or at the time of the recommendation or sale of an annuity, the producer shall have a reasonable basis to believe the consumer has been informed of various features of the annuity, such as the potential surrender period and surrender