Under the investment option the life insurance company provides various option plans as per annuity investor choice where you can manage your investment when market get change. So the investment in annuity fund is very much flexible.
In second option the annuity investor has to choose the investment period where your income gets accumulated in a certain period of time so that you can get the regular payment till your life span. Under the variable annuity option it will give you assured minimum income, in this option you need to wait at certain fixed period of time. There are several variable annuity fund gives fixed maturity option under different maturity time and interest rates. There are many companies offer assured investment and rates. Your earning will be higher as interest rates are normally higher than at the time of your contract.
The annuity owner if die in the accrual period the life insurance company gets the assured death benefits on the present market value. The variable annuity gives good benefits to the owner because increasing the market rates. The life insurance company charge fees to increase the death benefits.
The surety of the claim is based on the performance of the life insurance company you choose.
