## ANNUITY FORM

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As you research your annuity purchase, you may have trouble finding complete information on different products. When an annuity company gives you a rate quote, it may exclude information on the annuity’s investment return or its costs. This can make it difficult to compare an annuity quote to other investments. Our present value annuity calculator can help you find this missing information. By using this free calculator, you can make a more informed decision for your annuity purchase.

**Annuity Basics**

An annuity is an investment contract between you and an annuity company. When you buy an annuity, you are buying a stream of payments sometime in the future in exchange for your investment today. The annuity company is responsible for investing your money throughout the life of the contract. Most annuities offer a fixed rate of return on your investment that is guaranteed by the annuity company. Your annuity payments are a combination of a return of your initial investment and your investment gains.

The size of your monthly annuity payments depend on a few factors. The first factor is the size of your initial investment. A larger initial investment creates higher monthly payments because your investment earns more money and your contract has a higher pool of funds to return to you. The second factor is the length of your annuity contract. A longer payout period causes a lower monthly payment. This is because a longer contract has more monthly payments in total. Therefore, the contract needs to make smaller payments so the contract does not run out of funds. The last factor that affects your monthly payout is the rate of return of your contract. A higher rate of return creates a higher payout rate because you contract earns more money to distribute.

**Lack of information:**

When you contact an annuity company to learn about its products, a company representative will put together an annuity quote for your situation. This quote states the monthly payouts you would receive in exchange for your initial investment. While this information is helpful, it is not enough to make a complete decision. Depending on the annuity company you contacted, your quote may be missing other important pieces of information.

An annuity quote might not tell you the investment rate of return offered by the annuity company. The quote might just include the investment gains as part of your future payments without telling you the exact percentage rate of return. This can make it difficult to compare a contract against other company quotes or against other investments. For example, you may be trying to decide between buying an annuity with no stated interest rate and buying bonds with a stated rate of return. Our present value annuity calculator can help with this decision.

Another detail that your annuity quote may not list is the total of expenses charged by the annuity company. A portion of your annuity purchase goes towards paying the fees and expenses of the annuity company. These expenses include the commission of the selling agent, the management fee for your investments, and the overhead costs of running the annuity company. You want to pay as little as possible in expenses as this keeps more money in your contract. If you do not see the expense rate listed on your quote, you can use the present value annuity calculator to estimate these costs.

**Present Value Calculator:**

The present value calculator works differently than the other calculators on our website. The other calculators use your information to find new annuity quotes from different annuity companies. The present value calculator is used to analyze an annuity quote that you have already received. The two main uses of this calculator are to find the investment rate of an annuity quote and the total expenses of an annuity quote.

If you receive an annuity quote without a stated investment rate of return, you can input information from the quote into the present value annuity calculator to find the investment rate. All you need from the investment quote is the monthly payout rate, the number of years for payments, and the size of your initial investment. If you enter this information into the present value annuity calculator, it will find the investment rate built into your annuity contract. You can use this information to compare the contract against other investment options.

The present value annuity calculator can also help you estimate the expenses of your annuity contract. For this calculation, you need the monthly payout rate, the number of years for payments, and the contract’s rate of return. If you plug this information into the calculator, it will calculate the value of the annuity if it had no expenses. This value should be lower than the purchase price of your contract. If subtract the calculator value from the cost of the contract, the difference is the total expense charge. For example, if the calculator says the no-cost value of your contract is $95,000 and the contract costs $100,000, the annuity company charges $5,000 worth of fees over the life of the contract.

There is no charge for using our annuity calculators. To use our present value annuity calculator, simply enter in the required data and you will receive your information right away. Your information will be delivered by email or by a phone call from one of our agents. Remember, the present value annuity calculator is a support tool for our other calculators. It does not work unless you already have annuity quotes. If you are looking for annuity quotes, you can use our other free annuity calculators to receive information from the best companies in the industry.