....if you want a guaranteed income ,
you buy a life annuity

....if you also want the BEST INCOME
THEN MAKE SURE YOU SEE QUOTES
FROM ALL THE COMPANIES!

*** Samples of Life Annuity Quotes ***

Many agents, especially those "locked-in" to a particular company, will only give you quotes from the companies they can represent.

But at Hughes Trustco, we can represent any company. We prove this by giving you a life annuity quote from each company quoting on your case. But there are other things you need to know.

You need to know what sort of quotes you need to get. Do you get a quote on your life only or jointly with your spouse? Guaranteed for how long and do you want it indexed? To answer these questions start with one quote and make changes until you are satified with the result.

Life Annuity Quote

 

Ivon T. Hughes

My name is Ivon T. Hughes and for the past 30 years I have been helping people to get the best life annuity quote to give you the best possible income for themselves and their families.

What is a Life Annuity?

A life annuity, in return for a lump sum of money, guarantees you income for life, along with a minimum period guarantee if you wish.

Life annuities can be bought with registered funds such as the proceeds of a RRSP or RRIF or with non registered funds from your GIC's or savings. They provide a guaranteed income that you cannot outlive.

VIDEO: What Is A Life Annuity?

 

 

Things You Should Know About Buying A Life Annuity

*ANNUITANT

1. Should it be a single life annuity on my life alone, even though my partner/spouse is about the same age?

2. Should it be a joint life annuity with my spouse or partner so each is guaranteed an income for life?

3. Should the capital be divided between a single and joint life and, if so, in what proportion?

4. I am older than my partner/spouse.  Should I consider only a single life annuity; perhaps with a guarantee to age 90?

5. Should I use all my capital now for an annuity or keep some for a later date?

6. How much income will I lose if I delay the purchase for a year?

7. Should I wait until I am 71 to buy a registered life annuity?

8. Won’t I get more income if I wait at least another year?
   

*OWNER

1. As my life annuity will be unregistered, who should be the owner?

2. Would it be better to have joint owners?

3. Should the beneficiary be the owner?

4. Can my child or other relative be a joint owner in order  to guarantee a life income for him or her?

5. Can a charity be the owner and/or beneficiary?
   

*GUARANATEES

1. How long should the guarantee period be?

2. Should I have two or more annuities with different guarantee periods?

3. Do I need a guarantee period at all?

4. What is the income difference for my age, between a zero year, 10 year and a 20  year guarantee?

5. What is the advantage/disadvantage of a long term guarantee?

6. As I don’t want to take any risks, should I divide my capital between a RRIF and an annuity?

7. Will I ever be able to change my life annuity?

8. As I may need more income at certain times, should I also buy a RRIF?

*CHILDREN

1. Should I consider the financial situation of my child or children when buying this life annuity?

2. How can my child or children benefit from my annuity payments?

3. Should a child or children be made co-owners of my non registered annuity?

*BENEFICIARIES

1. Should my beneficiary be my spouse/partner or my estate?

2. Do I need to alter my Will because of this proposed annuity?

*PAYMENTS

1. Is it better to take monthly or annual payments?

2. Is there any reason to delay taking payments?

3. Would monthly or annual payment be better for me?

4. Can I divert the payments to another person for a certain period of time?

*QUOTATIONS

1. How can you know which company is offering the best rate if you don’t see all the quotes?

*SOLUTIONS

Hughes Trustco will answer your questions and provide you with a life annuity quote from each Canadian company quoting on your case. We represent all the companies; we do not favour one company over the other. Start now and get a life annuity quote.

Life Annuity Quote

 

VIDEO: How Is Life Annuity Income Calculated?

 

TESTIMONIAL "I would just like to take this moment thank you for the exceptional service you have provided me and my husband. You have proven to be efficient and always available to deal with issues or answer question. Thank you once again." V. & R. Davis - Ontario, Canada

When you ask for a quote, we will verify your information with you and answer your questions. It is a simple process but to get the best possible income you need to know what to ask for and see which company will give you the best deal. The quotes are FREE.

It is very important that you see ALL THE QUOTES as the rates for each company are constantly changing. If you want the BEST INCOME, ask for a quote now.

The information you give on the form allows you to get all the quotes and peace of mind that come from getting the highest income possible. Ask for a FREE quote now.

 

P.S.: To find out more about life annuities, download our free brochure.

P.P.S.: You can also get some information on RRIFs.

P.P.P.S.: You will be able to receive an Investor Profile from 6 leading life insurance companies when you submit the form. These will help you decide where and how to invest your money.

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