How To Invest In Insurance Annuities? 
Every saver and investor needs to review their suitability for the financial or insurance products theyre considering , annuities are no exception . Tax deferred annuities held over long periods can generate significant financial impact on a high tax bracket saver or investor . First you need to establish a personal financial profile that includes a risk tolerance assessment to determine which crediting method is suitable : fixed interest rate crediting , indice crediting or separate subaccounts using equity and bond instruments . Non-qualified annuities should be considered as part of your retirement income strategy . Some planners use a combination of immediate and deferred annuities with different policy durations as a laddering technique using the exclusion ratio of an immediate annuity for the initial income and the accumulated tax deferral advantage of the other deferred annuities to generate income as well . 