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    When considering the formula for present value of an annuity, there are many factors to investigate along the way.  While some may consider this to be a cumbersome activity, history suggests that investigating the present value of an annuity due will pay often off if not immediately then down the road. For example is one considering the purchase of an existing annuity due, or is one considering the sale of an existing annuity due, or the purchase of a new annuity? Or is one considering evaluating an existing annuity for estate tax purposes?  What discount rate assumptions are proper and what financial crediting factors are appropriate?
   
 

 

 

 

 

Projected

Purchase Price

 Issuer

 Total Paid Back

 Payment
Term

Ref#

 Guaranteed Effective Interest Rate

 $130,132 

New York Life Insurance Company

 $500,000

22 yrs

 #9301

6.50%

$141,528 

Sale Pending

Transamerica Life Insurance Company

 $387,000

17 yrs

 #7014

7.00%

$729,667 

American General Life Insurance Company

 $1,870,777

29 yrs

 #037995

5.75%

$89,181 

Connecticut General Life Insurance Company

 $100,000

3 yrs

 #891

4.00%

$251,661 

American General Life Insurance Company

 $534,693

29 yrs

 #010964

5.30%

$115,819 

American General Life Insurance Company

$187,700

11 yrs

 #3968


5.00%

$84,291 

Sale Pending

Metropolitan Life Insurance Company

$144,060

25 yrs

 #2845


5.00%

$115,017 

Mutual Title and Symetra Life Insurance Company

 $189,745

23 yrs

 #3321

5.50%


$111,801 

Genworth and Aviva Life Insurance Company

 $141,500

7 yrs

 #1856

5.00%


$16,853 

American General Life Insurance Company

$40,000

15 yrs

 #852


6.00%


$23,016 

The Hartford Life Insurance Company

$33,784

10 yrs

 #615


5.00%


$155,914 

Metropolitan Life Insurance Company

 $168,155

2 yrs

 #1011

4.25%


$34,263 

The Hartford Life Insurance Company

$62,500

18 yrs

 #1310


5.50%


$83,138 

Sale Pending

Mutual Title Life Insurance Company

 $144,475

23 yrs

 #2625

5.50%


$180,906 

Liberty Mutual Life Insurance Company

 $242,946

14 yrs

 #3796

4.75%

 

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When considering the formula for present value of an annuity, there are many factors to investigate along the way. While some may consider this to be a cumbersome activity, history suggests that investigating the present value of an annuity due will pay often off if not immediately then down the road. For example is one considering the purchase of an existing annuity due, or is one considering the sale of an existing annuity due, or the purchase of a new annuity? Or is one considering evaluating an existing annuity for estate tax purposes? What discount rate assumptions are proper and what financial crediting factors are appropriate?

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