David RacichPRO
    Fountain Hills, Arizona
    The historical returns of variable annuities over long periods of time have shown returns. Of course this is no indication of future performance. Although variable annuities have a general account tied in interest rates, most investors prefer the separate sub accounts that use equity and bond investments. The returns or losses are either credited or debited against the net premiums (premiums that first pay the policy expenses.)
    A variable annuity is a security and an insurance product for investors that have a high effective tax bracket rate and have the risk tolerance for market returns, but the reality of market losses. A variable annuity can be a supplemental retirement income stream that can offer differing distribution options including lifetime annuitization.
    Answered on July 7, 2013
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