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Premium plus variable annuity 2025

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The document is a product prospectus for the New York Life Premium Plus Elite Variable Annuity, dated May 1, 2010. It outlines the features, benefits, and risks associated with the variable annuity, including investment options, tax implications, fees, and charges. The prospectus details how the annuity can be used for retirement savings and income generation while providing information on optional riders such as death benefits and living needs benefits. It emphasizes the importance of understanding the terms before investing and provides contact information for further inquiries.

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2010	4.8 Satisfied (83 Votes)

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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

What are the downsides of a variable annuity?

The benefits of a variable annuity include tax-deferred growth, guaranteed income in retirement, and a death benefit for beneficiaries. The downsides are complexity, layered fees, and withdrawal penalties.

What happens to variable annuities when the market crashes?

During a recession, variable annuities pose much more risk than fixed annuities because their performance is tied to market indexes, which recessions tend to pummel.

Can a variable annuity run out of money?

With these types of annuities, your annuity account might not grow (and, in the case of variable annuities, you could even lose money over time). The rider simply guarantees to provide regular annuity payments until the annuity owner dies, even if the annuity runs out of money.

Can variable annuities lose money?

If the investment choices you selected for the variable annuity perform poorly, you could lose money. Contract fees may go towards your financial professionals compensation. That means they may receive higher compensation for selling some contracts or investment products than for others.

Are variable annuities guaranteed for life?

Although variable annuities offer investment features similar in many respects to mutual funds, a typical variable annuity offers three basic features not commonly found in mutual funds: Tax-deferred treatment of earnings; A death benefit; and. Annuity payout options that can provide guaranteed income for life.

What is a variable premium annuity?

A variable annuity is a contract between you and an insurance company. With a variable annuity, the insurance company agrees to make periodic payments to you in the future.

Premium plus variable annuity 2025

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