Caution & Reminder

["Just a certain percentage of the account will participate in the market earnings.","Some contracts have a 5-to-10 year waiting period (Surrender Period) and there can be a fee for early termination or excessive early withdrawals.","Investment options may be less than the ones in ETFs or mutual funds, although the downside protection of indexed annuities does not exist with an ETF or mutual fund."]

{"faq_footnote":"\u003ca target='_blank' href='https://www.investopedia.com/ask/answers/092815/what-are-biggest-disadvantages-annuities.asp'\u003ehttps://www.investopedia.com/ask/answers/092815/what-are-biggest-disadvantages-annuities.asp","answer":["Annuity distributions are taxed as ordinary income, which is a higher rate than that for the capital gains you get from other retirement accounts.","Annuities charge a hefty 10% early withdrawal fee if you take money out before age 59½."]}

\u003col\u003e\n \u003cli\u003eTerms of an annuity are in the policy contract document and/or the illustration, and a buyer should fully review them.\u003c/li\u003e\n \u003cli\u003eAnnuities typically have early withdrawal fees that last for 5-10 years, so make sure you dont need the money you invest any time soon.\u003c/li\u003e\n \u003cli\u003eThough unlikely, annuities can lose value in some circumstances.\u003c/li\u003e\n \u003cli\u003eAnnuities are usually long-term contracts.\u003c/li\u003e\n \u003c/ol\u003e","reminder":"\Reminder: It may be helpful to consider company ratings by rating agencies like Moody's, Fitch, and SP, which are good indicators of a company's long-term financial strength.

["如果我想提前终止合同并拿出我所有的钱, 是否会有提款、退保费用或罚款? 多少钱?","我可以在不支付退保或其他费用或失去利息的情况下获得部分提款吗?","年金是否会因为死亡、入养老院或患上绝症等原因免除提款费用?"]

{"answer":["Are there withdrawal or surrender charges or penalties if I want to end my contract early and take out all of my money? How much are they?","Can I get a partial withdrawal without paying surrender or other charges or losing interest?","Does my annuity waive withdrawal charges for reasons such as death, confinement in a nursing home or terminal illness?"],"faq_footnote":"\u003cstrong\u003eCaution: Some indices of an FIA may be less known, compared with SP 500, NASDAQ, MSCI or Russell 2000 indices. So it may be less transparent to know the exact underlying investment holdings.","reminder":"\Reminder:The illustrations usually use many assumptions to show the future benefits. It may be very helpful to get a clear answer on which numbers are guaranteed and which are not.