American Equity

2008-11-24 13:40:22

( Financial )



American Equity is a popular insurance company in the United States. The company offers a diverse assortment of products that are tax deferred. These products are divided into 3 main categories: Life Insurance, Annuities with Fixed Interest Rates, and Annuities with Fixed-Indexed Interest Rates.

Life Insurance
American Equity offers several life insurance options that you can choose from. The Term Life insurance plan allows you to cover only up to a certain number of years, making it a more affordable option for many people. The Single Premium Universal insurance plan makes it possible to minimize income tax costs. This can be done in several ways, specifically by converting your money into an insurance policy, by the company’s tax deferral system and by liquidity. Finally, the Simplified Whole Life insurance plan offers a number of advantages, including a fixed premium, tax-free death benefit, and emergency loans.

Traditional Fixed Interest Rate Annuities
In this policy, your money is invested safely with a good interest rate. This plan is not dependent on the present state of the stock market, ensuring that your money will grow even if the stock market falls. This continues for a pre-specified amount of time. No tax is taken out from your money until you finally choose to withdraw it. By not removing taxes regularly, your money earns a lot more.

Fixed Indexed Annuities
As opposed to the Fixed Interest Rate Annuities, the Fixed Indexed Annuities is dependent on the stock market. This way, if the company gains a significant amount in the stock market, your money will gain significantly, as well. You can choose how you want the interest to be calculated and which specific index will be used for your annuity. As with the other options, tax is not deducted from your money until you finally withdraw it.

These are the different American Equity investment opportunities that are available to you. Before choosing one, it is important to talk to an agent to help you find which product is the right one for you.


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