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...play screens may be placed near a window so the line of sight between eye and screen is parallel to the window surface or the windows can be shielded to reduce excessive ...

... a feel for whether or not they're in the annuity business to stay by how comprehensive their pocket guides are. Do they explain products so that you can understand them? Do they have examples? This may sound trivial, but a pocket guide can sometimes be the window to other important elements of the annuity operation. PROSPECTS You may find that your prospect base for annuities is slightly more limited than your base for various forms of Life insurance policies, because annuities generally have a much narrower purpose: planning for retirement. But there ... to make it more difficult to avoid tax through the use of tax preference items. This makes annuities particularly attractive to wealthy individuals with high alternative minimum taxable income. Variable annuities may look especially attractive to some prospects because of the Tax Reform Act's elimination of favorable tax treatment for capital gains. In the past, a drawback of variable annuities was that they transformed capital gains into ordinary income. With all income now taxed at the same rates, this disadvantage is removed. Also, mutual fund investors, particularly those with a long-term ... insurance is designed to pay once the purchaser has died. An annuity is the systematic liquidation of an estate; Life insurance creates an estate. The basic principle behind annuities is simple: The purchaser pays the insurance company a premium, either all at once or in installments, and in return for that premium expects the insurer to pay him or her a periodic income for Life, beginning at a specified period of time. The amount of the income received is determined by a number of factors, including total premiums paid, age ...