Annuities in the United States (original) (raw)
In the United States, an annuity is a financial product which offers tax-deferred growth and which usually offers benefits such as an income for life. Typically these are offered as structured (insurance) products that each state approves and regulates in which case they are designed using a mortality table and mainly guaranteed by a life insurer. There are many different varieties of annuities sold by carriers. In a typical scenario, an investor (usually the annuitant) will make a single cash premium to own an annuity. After the policy is issued the owner may elect to annuitize the contract (start receiving payments) for a chosen period of time (e.g., 5, 10, 20 years, a lifetime). This process is called annuitization and can also provide a predictable, guaranteed stream of future income d
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| dbo:abstract | In the United States, an annuity is a financial product which offers tax-deferred growth and which usually offers benefits such as an income for life. Typically these are offered as structured (insurance) products that each state approves and regulates in which case they are designed using a mortality table and mainly guaranteed by a life insurer. There are many different varieties of annuities sold by carriers. In a typical scenario, an investor (usually the annuitant) will make a single cash premium to own an annuity. After the policy is issued the owner may elect to annuitize the contract (start receiving payments) for a chosen period of time (e.g., 5, 10, 20 years, a lifetime). This process is called annuitization and can also provide a predictable, guaranteed stream of future income during retirement until the death of the annuitant (or joint annuitants). Alternatively, an investor can defer annuitizing their contract to get larger payments later, hedge long-term care cost increases, or maximize a lump sum death benefit for a named beneficiary. (en) Las rentas financieras se definen como una distribución de capitales que se reparten a lo largo de una partición temporal, de forma que a cada uno de esos intervalos, también según algunos autores, periodo de vencimiento, le corresponde un solo capital, al que se denomina como término de la renta que se produce en el mismo. Por renta financiera se entiende al conjunto de cargas impositivas que gravan las utilidades producidas por la venta de acciones y títulos que no cotizan en la Bolsa y cuya utilidad tenga cierta periodicidad, y al reparto de dividendos netos que las empresas realizan entre socios y accionistas residentes en un país determinado. No todas las rentas suelen tener igual tratamiento. Habitualmente los intereses de plazos fijos obtenidos por un individuo no pagan este impuesto, debido a que la renta financiera generalmente resulta de la valorización de una inversión a lo largo del tiempo. Tampoco pagará el impuesto un individuo que compra acciones para invertir con carácter casual -y que no se dedica permanentemente a esta actividad- por la diferencia que obtenga al momento de venderlas. En general, la renta derivada de las diferencias por la venta de títulos públicos suele estar exenta; normalmente el impuesto tampoco pesa sobre los dividendos recibidos de una sociedad. El fundamento radica en que la sociedad ya pagó el gravamen correspondiente sobre esas ganancias. Igualmente, los resultados financieros de la compraventa e intereses de obligaciones negociables colocadas en oferta pública se encuentran exentos para las personas físicas residentes en un país. Por el contrario, las personas jurídicas y los beneficiarios del exterior no lo están. En términos generales los intereses ganados por depósitos en cuentas en el exterior y los ganados por depósitos de una sociedad anónima o una sociedad de responsabilidad limitada suelen están gravados, igualmente que los dividendos recibidos por inversiones en el exterior. En otras palabras, las Rentas Financieras se corresponden con un conjunto de capitales con distintos vencimientos. Así que dado un intervalo P en el que se efectúa una partición se verifica que: .De esta manera cada intervalo sólo tiene un capital asociado, como producido en el mismo. Correspondencia entre subintervalo y capital. (es) |
| dbo:wikiPageExternalLink | http://www.nafa.com/ http://www.nolhga.com/ http://www.naic.org https://web.archive.org/web/20071124050135/http:/www.njlifega.org/faq.cfm%3Fid=427 https://web.archive.org/web/20071124050143/http:/www.njlifega.org/faq.cfm%3Fid=434 https://web.archive.org/web/20071124064710/http:/www.nylifega.org/faq.cfm%3Fid=455 https://web.archive.org/web/20071215055153/http:/www.walifega.org/faq.cfm%3Fid=679 https://web.archive.org/web/20150831184114/http:/www.nolhga.org/factsandfigures/main.cfm/location/insolvencies |
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| rdfs:comment | In the United States, an annuity is a financial product which offers tax-deferred growth and which usually offers benefits such as an income for life. Typically these are offered as structured (insurance) products that each state approves and regulates in which case they are designed using a mortality table and mainly guaranteed by a life insurer. There are many different varieties of annuities sold by carriers. In a typical scenario, an investor (usually the annuitant) will make a single cash premium to own an annuity. After the policy is issued the owner may elect to annuitize the contract (start receiving payments) for a chosen period of time (e.g., 5, 10, 20 years, a lifetime). This process is called annuitization and can also provide a predictable, guaranteed stream of future income d (en) Las rentas financieras se definen como una distribución de capitales que se reparten a lo largo de una partición temporal, de forma que a cada uno de esos intervalos, también según algunos autores, periodo de vencimiento, le corresponde un solo capital, al que se denomina como término de la renta que se produce en el mismo. En términos generales los intereses ganados por depósitos en cuentas en el exterior y los ganados por depósitos de una sociedad anónima o una sociedad de responsabilidad limitada suelen están gravados, igualmente que los dividendos recibidos por inversiones en el exterior. (es) |
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