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  Fixed Annuity Product Sheets - What are they?
 
Fixed annuity product sheets can be considered to be like briefs that concisely explain what types of annuity products are offered from outside carriers. For those of you who may not be familiar with fixed annuities this is a type of life insurance payment that is guaranteed to be a certain amount a month.

In essence, fixed annuity product sheets are easy-to-understand information sheets that can help you quickly and easily decide which type of annuity product is best for you. If you are shopping for insurance these info-at-a-glance type charts and sheets simply make it much easier for you to play “contrast and compare” when it comes to finding the life insurance plan that is best for you.

If you go online you will be able to find hundreds of these fixed annuity product sheets. In fact one insurance broker alone offers over three hundred of them to peruse if you happen to be shopping for insurance.

On these sheets you will find essential information such as the annuity's rate of return, the amount of the death benefit (should the annuitant die before the payout.) You will also find out the amount of tax-deferred profit that will go to you instead of the taxman if you opt to go for that particular life insurance product.

You can also get product sheets for variable annuities. Variable annuity products are different then fixed annuity products because they are not based on a fixed interest rate. For this reason fixed annuity products are perceived to be more secure than those that are not.

Another important detail that you will find on the fixed annuity product sheet is just how much money you will be penalized if you need to withdraw from the account before your payment is due. This is important as some life insurance companies really do charge exorbitant fees and penalties for early withdrawal of funds.
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