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The NAIC also offers free consumer guides on different types of annuities. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight.The National Association of Insurance Commissioners (NAIC) is the U. standard-setting and regulatory support organization created and governed by the chief insurance regulators from the 50 states, the District of Columbia and five U. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally.There are several types of annuities, all of which carry varying levels of risk and guarantees.To find the annuity that will best suit your needs, it is important to know the difference between each and the benefits offered.Available methods include: Many people, either by themselves or with the help of an advisor, will come up with their own withdrawal scheme.Those with sufficient funds can live off of the income of their investments without having to touch any of the capital, allowing their capital to grow.

If you have questions regarding retirement planning, you should consult a reputable financial planner to make sure you are on target to meet your goals.Lifetime income annuities are well-known annuities that provide lifetime payment to the purchaser.Most annuities will provide fixed monthly payments, and some offer inflation-adjusted payments.Annuities can provide a steady income after retirement and can be beneficial, but they can also be confusing.If you are thinking about buying an annuity, the National Association of Insurance Commissioners (NAIC) offers this comprehensive guide to help determine if an annuity is right for you.Annuity Basics An annuity is a contract in which an insurance company agrees to make a series of payments in return for a premium (or premiums) that you have paid.