Deferred Fixed Annuity

Annuities--tax-deferred, commission-free investment contracts between an individual and an insurance company--are outpacing mutual funds as the investment of choice for streetwise professionals and individual investors. Now a financial planning expert gives complete profiles of the most lucrative annuities available today along with investment tips for maximizing profits.

""For anyone who needs to understand different types of life insurance, as well as considerations for purchasing and managing policies, this book should be on your nearby reference shelf. If you've frequently found yourself fumbling around with terminology, such as the differences between variable, universal, and variable universal life (VUL) policies, you'll finally see some light through the haze."- MorningstarAdvisor.com Life insurance doesn't have to be complex or intimidating. Ben Baldwin's completely revised and updated guidebook makes it clear and logical, discussing how to analyze insurance products based on their investment merits and best overall financial returns. This clear, authoritative resource for consumer insurance information covers the pros and cons of Internet purchases, techniques to use capital within a policy, the fixed premium feature, insurance for different stages of life, and the new emergence of "immediate annuities.

Standard of deferred payment - A standard of deferred payment is the accepted way (in a given market) to settle a debt. For example, while the gold standard reigned, gold or any currency convertible to gold at a fixed rate constituted such a standard.

Annuity (finance theory) - The term "annuity" is used in finance theory to refer to any stream of fixed payments over a specified period of time. This usage is most commonly seen in academic discussions of finance, usually in connection with the valuation of the stream of payments, taking into account time value of money concepts.

Perpetuity - A perpetuity is an annuity in which the periodic payments begin on a fixed date and continue indefinitely. Fixed coupon payments on permanently invested (irredeemable) sums of money are prime examples of perpetuities.

Fixed-point arithmetic - In computing, a fixed-point number representation is a real data type for a number that has a fixed number of digits after the decimal (binary or radix) point. Fixed-point numbers are useful for representing fractional values in native two's complement format if the executing processor has no floating point unit (FPU) or if fixed-point provides

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