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Looking for  cheap auto insurance quotes in Arizona? Paying a high auto premium? How to pay less premium? How to find the cheapest car insurance rates in Arizona? After reading this post you will find the answers to these questions and you will be able to find cheap auto insurance in Arizona with lower price. Getting cheap auto insurance is a dream to many car drivers, but you will be surprised to know that there are yet many auto insurance companies USA which offer cheaper car insurance than others in the state of Arizona. Basic liability policy is must get auto insurance policy that you have to pay the least amount to insure. This basic liability policy that is termed as 15/30/10 liability and according to the law of Arizona, you have to pay this premium. Under this policy, the individual injured in an accident with your car will be given by the liability policy at maximum $15,000 as medical bill's coverage and the people who is injured in the other car during the accident will b...

The average life expectancy is now higher than ever because of advancements in technology and medical treatments. Because of this, lifetime annuities are being used to fund a person's retirement. It is important to note that there are basically two kinds of lifetime annuities namely the fixed type and the variable type. Some people decide to sell retirement annuity early on because they need instant cash. But before we look into that, it is essential to understand what annuity investments really are.   The variable annuity is a good investment option for people who want to have retirement savings because the interest rates of this annuity are dependent on the market rates. For example, you can choose to put money in stocks, in bond, in other money market options, and in real estate. The variable option also offers tax deferral through the use of insurance policies. And it is notable that the underlying benefit of variable annuity is on the capital gains from the investment amount b...

Do you know how to sell your existing annuity? If you want fast cash in large amount, annuities are really viable options but you will not be that profitable until and unless you know how to do it. For those who have gained the experience, the process will be painless but for those who are not well informed, the task can be a tough one! Read the facts below and be knowledgeable… NOW! The first things to be informed about are the terminologies involved in the process. ANNUITY as Wikipedia describes it is a financial product which is sold by financial institutions to offer savings or financial planning. ANNULTANT is a person or persons who are receiving their income from annuity contract. ANNUITY CONTRACT or POLICY is an agreement which states terms and conditions of annuity and issues by an insurance company. ANNUITY ISSUERS are the companies who issues annuity. The conversion of deferred annuity contract to the income payment stream is called ANNUITIZATION. There are still numerous ter...

Some businesses purchase annuities from investors who need physical money; this process is called selling annuity payments. If an investor chooses to trade his annuity, potential buyers will offer a lump-sum bargained imbursement depending on the complete current assessment of the contract. If you are planning to sell your annuity payments read this article first to learn! Some tips included in here can help you with the process. Selling a portion or all of your annuity payments offers you an opportunity to utilize the money in its full potential. Most of the selling annuity payment plans are customized, enabling the person engaged in it to identify how much is to be paid individually. There are more important things to keep in mind if you are considering on engaging on selling annuity payments such as: 1. Profits. Always remember that companies that purchase structured settlements hope to profit from their purchases. The profits will come out of the payments that can be received other...

Individuals who choose to sell their structured settlement either in part or wholly are in need of some ready money. Most often, people sell a part of their structured settlement to meet near-term requirements. There are various institutions that buy structured settlements. The transactions can vary in amount from ten thousand dollars to 1.5 million dollars. More than two-thirds of the states in the United States allow individuals to sell structured settlements. According to the federal law HR 2884, annuity owners do not come under any tax obligations as a result of selling their structured settlements. One should research about various settlement purchasers, check their past payment records and their working relationships with the insurance companies so that the transactions can be approved quickly. Also, the purchasers should be licensed, insured, and bonded. This way if a purchaser goes out of business, the seller can still get his cash. In some states it is mandatory to obtain fina...

A Structured Settlement is essentially an agreement under which an insurance company agrees to pay an individual a predetermined amount of cash for a fixed length of time if the individual meets an accident. The documents generated in a structured settlement include an agreement, a qualified assignment, an annuity application, a court order if a claim is made by a minor, and an annuity policy. Payments for a structured settlement annuity can be made for the duration of the life of the claimant. The amount paid can comprise of equal installments, installments of varying amounts, and lump sums. The payments from a Structured Settlement Annuity are free from income-tax and are guaranteed by contract. Since a structured settlement annuity is meant for long-term financial security, it is important to get an assurance of the credentials of the annuity provider.   The periodicity of payment is entered into the settlement agreement. Factors that individuals can consider in deciding upon th...

Why would anyone want their lump sum payment. Well i can think of a couple reasons why some people would prefer to have their lump sum payment than a structured settlement. Suppose you may need to buy or repair a home, start or invest in a business, fund a college education, pay off a debt or invest in something much lucrative than a monthly payment. These are some valid reasons why you’d like to have lump sum in your hands rather than your periodical payments. The process of selling an annuity or structured settlement is not difficult, but it involves you taking the step to sell, deciding how much to sell and going before a judge to approve your request before you will be able to access that lump some cash. After you have made you complete decision on selling your structured settlement, then you will need to follow the simple steps below in order for the sale of your settlement to begin. It will take a little time for the process of sale to complete, most sales of settlement materiali...