Keep in mind the interest rate
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and your principal are guaranteed by the insurance firm because an- nuities are not insured by the FDIC. Select your insurance company based on a high financial rating and a great reputation. CD-like annuities pay an interest
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Core™ i5 processor 7 Home Premium
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rate that can be locked in for years. Once the lock-in period expires, the annuity continues along and the in- terest rate changes to whatever the rate is at that time. Or you can roll the annuity over to another annuity. Pension-like annuities are the sim-
plest of all the annuities. All annuities have the option to eventually turn their account value into a stream of income. However, pension-like an- nuities are called immediate annui- ties because they create a stream of income immediately. The stream of income is guaranteed for as long as you choose for it to last. Typically, you make a single, lump- sum deposit, and the income stream begins. Factors that determine the amount of income include options you select and these considerations: • your age at deposit • lifetime income • guaranteed income for a set period of time regardless of the beneficiary’s length of life • a refund of the deposit at death if the principal amount is unused • a survivor option • an inflation-adjustment option Understanding annuities can be
Have you heard about MOAA member discounts?
MOAA sponsors Identity Guard, an identity-theft protection service that alerts members to potentially fraudulent activity. Identity Guard monitors financial transactions in all three major credit bureau reports and sends daily notifications of any significant changes.
Get details at
www.moaa.org/products. 74 MILITARY OFFICER JULY 2011
tricky. It’s like buying a car: All cars are cars, but there are many types and options. Annuities are similar in that they come in so many models and have so many options you have to know which one best fits your specific needs. MO
— Lt. Col. Shane Ostrom, USAF- Ret., is a CFP® in MOAA’s Benefits Information and Financial Education Department. His last article for Military Officer was “10 Tax Changes You Should Know About,” February 2011.
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