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Single premium immediate annuities (SPIA) are a great way to turn money into income. You fund them, and anyone then start drawing income the very next month. These kinds of products that insurance companies offer. Purchase them from insurance companies or licensed agents. In this discussion, we talking about "fixed" annuities. They are low risk savings vehicles, backed by insurance companies and tough state rules.

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If you're the main bread winner of one's family, consider what loved ones will deal with if possibly to tragically die. Many things can happen to you, after all. Every time you leave your driveway, you are subject to an accident. Every time you follow a fattening cheeseburger, your arteries are clogging; and most people you pick up that cigarette, your lungs are becoming darker and darker. In general is that nobody knows when death may come knocking inside your door. And you owe it to yourself, and your family, to solidify that life insurance investment assure that they're paid for even when you cannot be there.

Business has risk. There's the risk of losing property, losing life or health of employees, or losing money, among others. What insurance does is provide you some guarantee against these losses. By knowing what your risk factor is, and insuring it appropriately, you should understand that include what need sure an accidents ever happen.
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