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- Will the company still be around to make annuity payments
decades from now? Check out insurers' potential to pay by consulting
independent rating agencies such as Moody's, Standard &
poor's or Best's.
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- Is there an initial fee to set up the annuity?
- Is there an annual fee to administer the annuity?
- Is there a surrender charge (for example if you withdraw funds
too early)?
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- How many investment options are offered?
- Are all asset classes represented (i.e., everything from conservative
to aggressive)?
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- If you want a fixed annuity (one that pays a fixed rate of
return), be sure to compare guaranteed rates.
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