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What Exactly are Investment Grade Annuities?
“Investment Grade Annuities” are Issued by top rated companies from the Secondary Market
Issued as Annuities that may be immediate payments, deferred payments, lump sums or any combination.
An annuity in general is just a fixed sum of money paid to someone each year, typically for the rest of their life. For example, if somebody has an accident and receives a favorable judgment, their payment is usually given to them in the form of an annuity. They are paid a certain amount of money over a defined period of time. What people don’t often realize is that these annuities can be bought and sold. This has been a strategy that corporate investors have been aware of for many years. But it has only been recently that individuals have been offered an opportunity to participate in these safe and secure purchases.
Why Do People Sell These Annuities?
For a variety of reasons: Sometimes the recipient needs the money faster than the schedule payments. Or they are seeking a lump to invest in buying a house. Or perhaps their health is declining and they would like to have access to more of the money immediately. Finally, in some instances, the recipient has actually passed away and their estate would like to make a payout to their heirs.
To Sum It Up: Annuities can come back on the market for a variety of reasons, which offers an opportunity for you to participate.
Why consider investing in investment grade annuities?
Opportunity for higher returns. The internal rate of return on many of these investments today is very appealing – with rates of 5% being quit common.
The ability to purchase an ongoing income stream at an extremely discounted price. While all investment grade annuities will be different, this type of investing could provide you with the opportunity to purchase a substantially discounted income stream.
Payments are backed by highly rated insurers. Because the annuity payments are backed by highly rated insurance companies, there is virtually no risk of annuity payment default. In fact, in most cases, all of the payments are typically guaranteed, as well as fixed to the dates that are assigned.