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Deferred annuities

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Deferred annuities
Tax-advantaged life insurance products. Deferred annuities offer deferral of taxes with the option of withdrawing one's funds in the form of a life annuity.


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Deferred annuities allow partial withdrawals during the accumulation phase and, thus, have no distribution requirement.
A primer on annuities by Schulman, Michael David / The Tax Adviser
For example, sales of income or payout annuities, a product well suited to meet individual retirement income needs, are a small fraction of accumulation-oriented annuity sales, while annuitization rates on deferred annuities remain very low.
Post-retirement riddle: insurers are missing an opportunity to expand ... by Speer, Eric W. / Best's Review
On the other hand, deferred annuities start payouts at a specific future date.
Annuities can help build sizable retirement nest egg, reduce taxes by Poteshman, Mel / Los Angeles Business Journal
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