Have Your Cake And Eat It Too With Insured Annuities

Today's seniors are often concerned with covering their living expenses while still preserving their hard-earned capital for their beneficiaries. They are also typically more conservative investors, not willing to bet their life savings on higher risk/reward investments. Yet they don't have enough money to kick off an income that will provide for their expenses without encroaching on the capital itself.

Or, they have loads of money, but are paying tax year over year on the interest income, and are sick of seeing a chunk of their cash going to the taxman.

In either of these cases, utilizing a concept called the Insured Annuity would be perfect.

The Insured Annuity is a concept that involves the use of two different insurance products; an Annuity to provide tax-preferred lifetime income, and Life Insurance to guarantee the capital.

The best way to demonstrate this concept is with numbers.

Is this too good to be true? Right now, yes. She has given up the full $500,000, and currently has nothing to give to her heirs. To get around this, she purchases a $500,000 Life Insurance policy.

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