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Annuity Myths and Answers

Myth Question:What happens when you die? Do the insurance companies hold onto your money?
Answer:Income annuities can guarantee that you will continue to be paid as long as you live or as long as you specify. Life income annuity is guaranteed period that will continue until all of your money has been paid back. With this annuity, should you pass away, your beneficiaries are guaranteed to receive all your money when you die — everything you put in plus the interest you’ve earned.

Myth Question:I’m worried that guaranteed income annuities can’t keep up with inflation. Is this a right concern to have?
Answer:Not if you can keep your guaranteed income rising by converting additional savings into guaranteed income. Payout rates typically increase as you age. Your savings can and will buy an increasing income amount.

Myth Question: I’m interested in annuities, but I fear they are difficult to understand and own. Are they that complicated?
Answer:Some annuities are complex, but at MDH we keep annuities simple and straightforward. Here’s how they actually make your life easier:

  • Tax-deferred compounding for a guaranteed savings annuity can give you an easier income tax return and a lower tax bill.
  • Guaranteed income annuities take over the difficult process of creating your own income by instead offering a guaranteed retirement “pay-check.”

Myth Question:I always thought guaranteed savings annuities were only for older or extremely conservative investors? I’m younger, and I’m not necessarily conservative.
Answer:You’ve heard the expression before, and it applies here as well: “Age is but a number”. Savings annuities can diversify your retirement portfolio and help you plan for whatever your future holds years from now.

Myth Question: Once I buy an annuity, I won’t be able to move it without paying taxes. Correct?
Answer:The contrary is actually true. Federal tax regulations permits you to transition your annuity without paying taxes through IRA rollovers and 1035 exchanges.

Structured Settlements- We Understand

It’s no secret a structured settlement buyout can play a huge role in your life. Often times, there is an opportunity of a lifetime at your doorstep, but you are forced to reject it because money is sparce, or worse just not there.

Have you found yourself sitting around and waiting for your money to add up? Contact MDH Funding to find out how a structured settlement buyout can improve your quality of life.

At MDH Funding, we are here every step of the way to help you with your finances. We understand how long-drawn out the legal process can often be. We understand that accidental injuries happen in life.

We understand how important your retirement is to you after all the countless hours you put in. We understand that sometimes you need to pay bills now, and not later. We understand there are certain moments in life where you the need the best financial plan available with low interest and debt whether it is paying for an education or buying your first home.

Contact MDH today

Financial Stress

Do you know how many percentage of Americans report worrying frequently about how they are going to make ends meet? According to AboutHealth, roughly 70% of Americans claim they face financially-related stress.

With financial stress comes health-related stress such as anxiety, high blood pressure, and even increased heart rate.

Have you asked yourself some of the following questions?

  • How can I spend my money effectively?
  • Should I pay off a bill now or later?
  • Can I realistically stretch my debt for one more month?

Do you want to have the option to sell your future payments for a lump sum of cash, and use that money to pay down debts? Is this choice right for you?

Ultimately, only you can decide. We are here to explain the process of selling structured settlement or annuity payments for cash.

Structured Settlements for College Tuition Payments

The high tuition of a college education is a financial obstacle for many families. While student loans may seem like the temporary answer to paying for education costs, in the long run loans contribute to much more debt.

Have you found the process of deferments equally troublesome with the ensuing costs in late charges, penalties and increased interest?

How does structured settlement  pay tuition in a more financially smart way? The process involves taking advantage of current assets to avoid debt and higher interests from loans. Selling a structured settlement opens up cash allowing a student to pay down tuition at the time they are admitted into their school.

Education costs continue to soar. In 2011, graduating seniors owed an average of $25,250 in student loans. In 2013, they owed an average of $35,200 in student loans.

How does a structured settlement sale work for incoming college students? The sale allows for an “advance” on assets that avoids interest, since it’s not a debt. Instead, the  structured settlement takes equity out of an asset and uses the equity to pay for tuition upfront.

Do you have a question about our structured settlements used for college tuition payments? Contact one of our representatives today by calling 1-855-804-FUND (3863) or use the form below: