RAM Annuities

Annuity e-University

Each year, millions and millions of dollars are deposited into Annuity contracts by people looking for safe,, conservative options for part of their money. In fact, annuity sales have increased by 57% to over $100 billion in the last 5 years.* Many of these consumers have maxed out their IRAs and 401(k)s or have money to invest from bonuses or the sale of a home. Many are simply looking for ways to increase their retirement portfolio through the power of tax deferral. The challenge is that most people, including many current annuity owners, really don’t understand annuities, how they work or how to maximize the tax benefits.

As with any savings plan or investment, it’s important that you take the time to understand how annuities may be an appropriate addition to your portfolio. That’s why the Annuity e-University has been designed to answer a wide variety of questions, whether you’re a novice or an old pro just brushing up on a few facts.

Here you’ll find comprehensive, yet easy-to-understand information on annuities, the power of tax-deferral and examples you can relate to.

We invite you to come back often or bookmark this site because we will be changing content regularly. New information, tools and articles will be added to keep you up-to-date on the annuity marketplace.

RAM Group’s Annuity e-University is a resource that can help you take your first step toward protecting and growing your clients’ present and future! You will not only receive a thorough education about issues relating to annuities, but some specifics about annuities as well. Simply click on any of the sections listed below. This will take you to the sections explanation and in most cases, subsections for further explanations.

Important Note: The information in this section is only intended as a general overview and is not intended to provide tax advice. There may be carrier, product or state variations or there may have been changes in the tax law that may affect the information in this section. Please consult a tax-advisor for specific tax advice. Also, please consult RAM Group and the specific carrier for specific product and state variations.