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Should I buy a variable annuity?
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New York -  You generally should not purchase a variable annuity unless all of the following conditions apply:
  • You expect to be in a 15% tax bracket when you withdraw your money

  • You can no longer contribute to your 401(K), 403(B) and IRA contributions

  • You have sufficient liquidity that you will not need this money for approximately 15 years

If you already own a variable annuity and are considering purchasing a new one - beware that some life insurance companies try to entice you to purchase a second annuity with your existing annuity. If you do this, you generate a commission for the agent and eat into the returns of your first policy.

Also, beware of any attempts to convert your current policy to a new one. Old policies may come with large surrender charges of up to 7% of your original annuity's principal while your salesperson makes a new commission.

Tax law and issues are every changing and is extremely complicated. Even if you are considering purchasing an annuity, you should consult with an independent Fee-Only financial adviser. 

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Variable annuities may be appropriate for some persons.

For most persons, they are not. 

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