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ANNUITIES - Availability
AVAILABILITY OF DEFERRED ANNUITIES
Deferred annuities are available through life insurance agents
and, increasingly, through banks and brokerage firms.
Agents
Life insurance agents are licensed by the State, and may represent one
or more companies. If you use an agent, choose carefully. Agents earn
a commission on your business and should do more for you than just sell
you an annuity. They should advise you and answer all your questions.
If you are considering the purchase of a variable annuity, the agent
should also have a license to sell variable products, which are considered
to be securities, and you should receive a prospectus describing the
investment alternatives available to you.
Banks and Brokerage firms
Products developed by life insurance companies are sometimes marketed
through banks and brokerage firms. The person who sells you the annuity
should be a licensed life insurance agent, and, in the case of a variable
annuity, a licensed securities dealer. If you purchase an annuity through
these sources, you should ask for the name of the insurance company,
since they are the ones who will be managing your money.
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