TIAA's high financial ratings and customer service make it one of the best life insurance companies worth considering Plus TIAA offers a standout term life product that places it among the best term life insurance companies too.
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Annuity distributions are taxed as ordinary income which is a higher rate than that for the capital gains you get from other retirement accounts Annuities charge a hefty 10 early withdrawal fee is you take money out before age 59.
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After the death of an annuity owner annuities can be left to a beneficiary selected by the owner.