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(Click for frequent words.) 73 annuity 68 deferred annuities 67 deferred variable annuity 66 GMWB 65 annuities 65 annuitization 64 annuitizing 63 subaccount 62 annuitize 61 annuitant 61 IRA rollover 60 Traditional IRAs 60 variable annuity 60 annuitized 60 Individual Retirement Arrangement 60 Immediate annuities 60 spousal IRA 60 rollover IRA 60 SIMPLE IRA 60 fixed annuities 60 taxfree 60 lump sum 59 GMIB 59 FERS retirement 59 nondeductible IRAs 59 IRA Roth IRA 59 GMWBs 59 annuitise 59 sheltered annuity 59 RRSP contribution room 58 elective deferrals 58 FERS annuity 58 Roth IRA 58 nondeductible IRA 58 ROTH IRA 58 Ulip 58 unreduced 57 nonqualified deferred compensation 57 Individual Retirement Account 57 ULIP 57 FEGLI 57 #l k 57 traditional IRAs 57 Coverdell ESA 57 undeducted contributions 57 policyowner 57 Required Minimum Distribution 57 equity indexed annuity 57 unitrust 57 Annuities 56 Coverdells 56 SEP IRA 56 GMWB rider 56 RRSP withdrawals 56 Variable annuities 56 Roth IRAs 56 MasterDex 56 IncomePlus 56 GMAB 56 Rollover IRA 56 nonworking spouse 55 VUL 55 Coverdell accounts 55 alternate payee 55 indexed annuity 55 HDHP 55 RRIF 55 Fixed annuities 55 ROP Term 55 nondeductible contributions 55 moneyback 55 elective deferral 55 IRAs Roth IRAs 55 Nonqualified 55 CSRS Offset 55 variable annuities 55 IRA withdrawals 55 testamentary trust 55 TFSA 55 Health Reimbursement Account 55 lifestyling 55 RMDs 55 Solo #k 55 Variable Annuity 55 Withdrawal Benefit 55 deductible IRAs 54 Coverdell ESAs 54 Bima Nivesh 54 rollover IRAs 54 undeducted contribution 54 IRAs 54 policyholder dividends 54 Lump sum 54 #k #b 54 Coverdell Education 54 Guaranteed Lifetime 54 nonretirement accounts 53 subaccounts 53 Health Savings Account 53 nonretirement 53 deductable 53 spousal RRSP 53 inter vivos trust 53 Annuity 53 revocable trust 53 LTCG 53 ULIPs 53 nonqualified 53 Isa wrapper 53 lump sums 53 decumulation 53 IncomeFlex 53 Sum Assured 53 Jeevan Akshay 53 nonspouse beneficiaries 53 VGLI 53 Individual Retirement Accounts 53 deductibles copayments 53 Defined Benefit 53 scheme ELSS 53 policyholder 52 GLWB 52 Roth IRA withdrawals 52 includible 52 COBRA continuation 52 Equity Indexed Annuity 52 QTIP trust 52 concessionally taxed 52 High Deductible 52 unreduced pension 52 SIPPs 52 GHESP 52 SIMPLE IRAs 52 Required Minimum Distributions 52 Nationwide L.inc 52 indexed annuities 52 LifeGuard Freedom 52 Equity indexed annuities 52 UGMA UTMA 52 RRSPs 52 Retirement Savings Account 52 RRSP 52 Guaranteed Minimum Withdrawal 52 viatical settlement 52 lump sum payout 52 irrevocable trust 52 RRIFs 51 Coverdell Education Savings Account 51 undeducted 51 UGMA 51 CSRS annuity 51 inherited IRAs 51 Ulips 51 SEP IRAs 51 LTFs 51 SGLI 51 Guaranteed Minimum Withdrawal Benefit 51 Saver Credit 51 FERS employees 51 Defined Contribution DC 51 equity indexed annuities 51 nonspouse beneficiary 51 IRA custodian 51 NQDC 51 TFSAs 51 Roth IRA conversion 51 minimum distributions RMDs 51 Ssas 51 PRAs 51 Athena UL 51 GICs 51 stakeholder pensions 51 deductible 51 RRIF withdrawal 51 RRSP RRIF 51 RRSPs RRIFs 51 RESP contributions 51 deferred variable annuities 51 medically underwritten 51 laddered portfolio 50 HSA compatible 50 Variable annuity 50 TIAA Traditional 50 QDIA 50 nonqualified retirement 50 FEHB 50 surviving spouse 50 Coverdell Education Savings Accounts 50 QPRT 50 VA Dependency 50 actuarially determined 50 Slome notes 50 Rollover IRAs 50 No Lapse Guarantee 50 Fixed Annuity 50 Principal LifeTime 50 medigap 50 IRA rollovers 50 sheltered annuities 50 callable CDs 50 Lifetime Withdrawal 50 RRSP contributions 50 ELSS schemes 50 Vanguard GNMA fund 50 Jeevan Aastha 50 mini Isas 50 reversionary bonus 50 EFRBS 50 #k Toolbox 50 ISA wrapper 50 SIPP 50 Medigap 50 revocable trusts 50 Subordinate Note 50 Slome explains 50 Individual Retirement Arrangements 50 GRAT 50 FERS 50 revocable living 50 lump sum payouts 50 Immediate Annuity 50 ING IUL Global 50 annuitants 49 Variable Universal 49 TFSA contribution 49 lump sump 49 Flexible Lifetime 49 Sipp 49 Individual Retirement 49 CSRS retirees 49 RMFs 49 k rollovers 49 RDSP 49 IRAs #Ks 49 Advantra Freedom 49 spousal RRSPs 49 reimbursement arrangements HRAs 49 Savings Accounts 49 Income Annuities 49 HSAs 49 Sailesh answers hi 49 Bima Account 49 Premium DRIP 49 Disability Insurance 49 policyowners 49 Retirement Accounts 49 Retirement Savings Accounts 49 nonforfeitable 49 Mainspring Managed 49 Lifetime Savings Account 49 benefit GMWB 49 Ascensus 49 Simplified Employee Pension 49 Kitces 49 lumpsum 49 compulsory annuitisation 49 RESPs 49 Kiddie Tax 49 GMDB 49 Stakeholder pensions 49 Pension Bima Yojana 49 POMIS 49 HSA 49 CTF voucher 49 AVCs 49 Flexible Spending 49 Discounted Gift 49 Medicare Advantage PFFS 49 Guaranteed Minimum Income 49 Ms. Nalbantoglu 48 ELSS 48 PRSAs 48 unsubsidized Stafford loan 48 CollegeAdvantage 48 Fixed Annuities 48 unitised 48 ConfiDent R 48 Simplified Employee Pensions 48 BOLI COLI 48 annuitisation 48 Individual Savings Account 48 VALIC 48 AccessTN 48 withholdable payment 48 deductibles copays 48 Prudential IncomeFlex 48 borrower repays 48 OAS clawback 48 voluntary contributions AVCs 48 Indexed annuities 48 coinsurance 48 RRIF withdrawals 48 IRA Individual Retirement 48 Minimum Sum 48 Lump sums 48 RiverSource Life 48 certificates GICs 48 Isas 48 actuarially equivalent 48 Irrevocable Life 48 Coinsurance 48 QROPS 48 HumanaOne 48 franking credits attached 48 accounts HSAs 48 IMRF 48 actuarial calculations 48 actuarially 48 RDSPs 48 lump sum payment 48 Separate Account 48 RRSP contribution 48 SunWise Elite Plus 47 fixed indexed annuities 47 taxable 47 premiums 47 includable 47 Fahlund 47 SMART# ® 47 Deductible 47 RESP 47 Sipps 47 gross pa AER 47 lifetime maximums 47 ILIT 47 WAEPA 47 i4LIFE R Advantage 47 settlor 47 asset allocation 47 PPF NSC 47 gain MUCH HIGHER 47 Thrift Savings Plan 47 Medigap policies 47 GRATs 47 Average Avg 47 Lifecycle Funds 47 Variable Annuities 47 Alternatively Secured 47 beneficiary designations 47 itemizing deductions 47 Jeevan Anand 47 decumulation phase 47 UTMA 47 Isa allowance 47 Phased retirement 47 NYSHIP 47 Fixed annuity 47 noninterest bearing transaction 47 Middlesworth Social Security 47 Policyholder 47 Interest accrues 47 mediclaim policies 47 FHA HECM 47 indexation allowance 47 nonworking spouses 47 UTMA accounts 47 SSDI benefits 47 Purchase Plan DRIP 47 nest egg 47 NJBEST 47 Unfunded Liability 47 self insured retentions 47 Segregated funds 47 SMSF 47 SMART# 47 preretirement 47 Upromise rewards 47 lapsation 47 insurance BOLI 47 Fixed Deposit 47 UTMA account 47 Fixed Maturity Plans 47 LTCI 47 provident fund PPF 47 CHAMPVA 47 deductible coinsurance 47 Retirement Account 47 ShareBuilder #k 47 CTFs 47 concessional contributions 46 nongroup 46 LDI strategies 46 Health Reimbursement Arrangement 46 lump sum distributions 46 Medicare Supplement 46 Varishtha Pension Bima Yojana 46 Teachers Defined Contribution 46 EquiTrust 46 FDIC insured savings 46 Reverse mortgages 46 retirement 46 Gebhardtsbauer 46 Qualifying Recognised Overseas 46 multiemployer defined 46 Retirement Plan 46 Savings Certificates 46 insurability 46 inter vivos 46 retirement nest egg 46 Underlying Entities Shares 46 Giftrust 46 nonvested 46 SSASs 46 Coverdell 46 cash Isas 46 Additional Voluntary Contributions 46 reinvesting dividends 46 Retirement Income 46 Roth Individual Retirement 46 Persistency 46 Long Term Disability 46 Lump sum payments 46 Section #CCC 46 Variable Interest Amount 46 Program FEHBP 46 FEHBP enrollees 46 prepayment penalty 46 LTCi 46 occupational pension 46 UILIC 46 Dividend reinvestment 46 testamentary trusts 46 Deductibles 46 Contribution Limits 46 OASDI 46 Defined benefit 46 ISA allowance 46 taxpayer itemizes deductions 46 dealer holdback 46 #CCF 46 CDARS 46 deferred compensation 46 HDHPs 46 Retirement Annuity 46 RSP contribution 46 nonspousal 46 Protected Withdrawal Value 46 FEHBP 46 unrealized appreciation 46 accretable 46 multiemployer 46 UM UIM 46 uninsured underinsured motorist 46 DAC unlocking 46 Defined contribution 46 CSRS 46 CULAC 46 Sec #C 46 Accommodation Supplement 46 TreasuryDirect account 46 Qualified Default 46 Installment Agreement 46 savings schemes ELSS 46 Iwry 46 SponsorMatch 46 Defined Contribution Plan 46 passbook savings 46 recordkeeper 46 mandatory convertible subordinated 46 noninterest bearing checking 46 Defined Benefit DB 46 maxi ISA 46 DEAR BRUCE 46 Rollover Applicants 46 dies intestate 46 carrybacks 46 Saving Scheme 46 Principal LifeTime Funds 45 Settlor 45 TreasuryDirect 45 COLI BOLI 45 intestacy rules 45 PFFS plans 45 UBTI 45 IRA Rollover 45 Kasasa Saver 45 Regular Saver 45 certificateholders 45 Defined Contribution 45 AmerUs 45 CGT exemption 45 recordkeepers 45 FICA withholding 45 RH Reward 45 CREF Stock 45 pension 45 PLADs 45 SIMPLEs 45 Rollover Instalments 45 tax advantaged 45 Expense ratios 45 Dividend Reinvestment Plans 45 Lifetime Savings Accounts 45 Oujo 45 itemized deduction 45 mediclaim policy 45 THE SAVINGS GAME 45 Payment Plan PIPP 45 saving schemes ELSS 45 InvestorSure CD 45 FMPs 45 noncurrent liabilities 45 Equity Indexed Annuities 45 BlueChoice 45 Revare 45 recharacterization 45 trust preferreds 45 employer deducts 45 maxi Isa 45 hardship withdrawals 45 Jeevan Dhara 45 sav ings 45 chequing accounts 45 POBs 45 indexation 45 Income Funds RRIFs 45 MGIB 45 Defined Benefits 45 IPERS 45 collateralizes 45 recoupments 45 Stable Value 45 NZ Superannuation 45 keyman insurance 45 Registered Retirement 45 superannuation 45 ULIPS 45 Beetle Bailey nears 45 Ugift 45 noncontributory 45 BOLI 45 PIEs 45 Defined Contribution Plans 45 Savings Incentive 45 grantor retained annuity 45 Defined Benefit pension 45 SAYE schemes 45 TIPRA 45 withdrawable 45 dividend reinvestment 45 Married Filing Separately 45 sizable nest egg 45 predecease 45 grantor trust 45 Inflation erodes 45 file Form #X 45 LifeCare Benefit 45 accretable yield 45 GradGuard 45 Mr. Rechtshaffen 45 HECM Standard 45 Flexible Spending Account 45 Critical Illness 45 Mediclaim policy 45 loan origination fees 45 taxable munis 45 advanceable 45 MediGap 45 uninvested cash 45 Roth IRA conversions 45 gross AER 44 PVNBP 44 actuarially sound 44 MedAmerica 44 Fixed Rate ISA 44 prefund 44 Flexible Savings Accounts 44 Nationwide YourLife 44 prefunded 44 intestacy 44 superannuants 44 UM UIM coverage 44 nondeductible 44 Segregated Funds 44 lump sum payments 44 Superannuation Guarantee 44 Section #C [002] 44 decedent estate 44 Unit Linked 44 viatical settlements 44 PUTs 44 muni bond ETFs 44 HSA HDHP 44 revocable trust accounts 44 deposits FDs 44 Attendance Allowance 44 accounts FSAs 44 SBLIC 44 actuarial liabilities 44 Individual Savings Accounts 44 RightPath 44 premiums copays 44 solvency deficiency 44 CD laddering 44 copayments deductibles 44 FDIC insured CDs 44 DPSPs 44 Brokerage commissions 44 Serps 44 FSA HRA 44 mutual funds 44 Beneficial unitholders 44 MullinTBG 44 Self Invested Personal 44 Deferred Compensation 44 k 44 AARP Medigap 44 Critical Illness Cover 44 Section #L 44 irrevocable trusts 44 Plan HDHP 44 TDFs 44 Qualified Retirement 44 ISAs 44 RRSP TFSA 44 refundability 44 Cash ISAs 44 EdgeStone Funds 44 ClearCourse 44 Wealthbuilder 44 HDFC Taxsaver 44 Vantage SIPP 44 stakeholder CTFs 44 Quebec Pension Plan 44 Recovery Rebate Credit 44 Guaranteed Savings 44 KiwiSavers 44 Way2Save 44 Supplement GIS 44 procuration fee 44 dematerialized form 44 Distribution Reinvestment 44 Company noncontributory defined 44 Sensipar royalties 44 securitizer 44 Saving Scheme NPSS 44 MyTerm SM 44 FDIC insures 44 trustor 44 OASI 44 EGTRRA 44 America marketFLEX 44 repayment IBR 44 ARFs 44 Pruco Life Insurance 44 FERS retirees 44 Arrangements IRAs 44 undelivered checks 44 unreimbursed medical 44 PIK Interest 44 PPO HMO 44 Form #EZ 44 mso font pitch 44 Flexible Spending Accounts FSAs 44 IRAs annuities 44 Hardship withdrawals 44 Vantagepoint 44 Savings Scheme NPSS 44 Hardwoods LP 44 Marylyn Kish turns 44 RAAs 44 COLI 44 LIBOR indexed 44 defeased loans 44 PBGC insures 44 nestegg 44 Quotential 44 policyholders 44 viaticals 44 Transamerica Retirement 44 online Retirement Estimator 44 itemizes deductions 44 RRSPs TFSAs 44 HELOC 44 Unit Investment Trusts 44 Trups 44 Kisan Vikas Patra 44 CollegeChoice 44 inverse floater 44 junior subordinated debentures 44 catastrophe reinsurance reinstatement 44 nontaxable combat 44 Cashback Amount 44 COLI policies 44 STCG 44 Copay 44 HDHP HSA 44 Hueler 44 PBGF 43 Indexed Universal 43 Robert Brokamp Rule 43 Flexible Spending Accounts 43 Low Mileage Discount 43 overcollateralized 43 TOBs 43 Reinsurance Assumed 43 unfunded accrued 43 PIPP Plus 43 FHSA 43 CollegeBoundfund 43 Jeevan Varsha 43 Separate Accounts 43 complying superannuation 43 Medigap insurance 43 Pension SIPP 43 Defined Benefit Plans 43 Path2College 43 SEPs 43 Savings Scheme 43 insurance 43 Lifelong Learning Accounts 43 pension Sipp 43 MassHealth Medicaid 43 WCI caters 43 RolloverSystems 43 HDFC Prudence 43 CDHPs 43 subordinated debenture 43 RRSP deduction 43 Medisave accounts 43 Married Filing Jointly 43 ALTIN 43 unsecured promissory notes 43 Junior Subordinated Notes 43 SSIAs 43 Kisan Vikas Patra KVP 43 CaliforniaChoice 43 Prudential Annuities 43 miscellaneous itemized deduction 43 SSIA scheme 43 ultrashort bond 43 MMFs 43 Sallie Hillmon 43 FDIC indemnification 43 nonowner 43 FHA insured mortgage 43 Indemnity Compensation 43 HDFC FMP #D 43 spendable income 43 CPP QPP 43 Economic Stimulus Rebate 43 Reinsurance balances 43 underinsured motorist coverage 43 Ms. Dabu 43 deductibles coinsurance 43 SGLI coverage 43 Prepaid Tuition Program 43 investible surplus 43 PPF 43 ISA savers 43 derivative instrument 43 Deferred Compensation Plans 43 postretirement obligations 43 undermarket deal 43 Clunkers rebate 43 TAGP 43 IRC § 43 KiwiSaver 43 Code Sec 43 PRPPs 43 MoneyGuard 43 residuary 43 PPNs 43 unsubsidized Stafford 43 filers earning 43 Scharin 43 Fund Distribution Reinvestment 43 maxi mum 43 breakpoint discounts 43 Variable Interest Amounts 43 DRIPs 43 CaRIT 43 repatriable 43 Investment Certificates GICs 43 Instalment Payment 43 Total Noncurrent Liabilities 43 reinvested dividends 43 FDIC indemnification asset 43 variable annuities mutual 43 UMBFS 43 UTI ULIP 43 Inviva 43 -Athletic Bilbao Telmo Zarra 43 wirehouse channel 43 SAYE 43 Aegon Religare 43 vested RSUs 43 MVRs 43 Statutory Sick Pay 43 noninterest bearing deposit 43 postretirement benefit expense 43 TradeMarkCo Note 43 ceding commissions 43 HECM Saver 43 Premiums receivable net 43 Altfest 43 reinsureds 43 OPEB expense 43 Y Cumulative Preferred 43 Revolution MoneyExchange 43 non contributory pension 43 tendering holders 43 redundancy payout 43 actuarial valuations 43 PIK toggle notes 43 Kasasa Cash checking 43 CTF vouchers 43 Interest Amount 43 section #CCC 43 Archer MSAs 43 Diversified Yield 43 Pensions SIPPs 42 Ballpark Estimate 42 payroll deduction 42 assessable income 42 Guaranteed Income 42 biweekly paycheck 42 automatic dividend reinvestment 42 Obama Refi Programs 42 HECMs 42 principal paydowns 42 NCO GROUP INC. 42 SAYE scheme 42 Lump Sum 42 XLFA 42 predeceases 42 se2 42 settlors 42 unsubsidized COBRA 42 REX Agreement 42 AALTCI 42 Reginald Bowser 42 overinsured 42 FEDVIP 42 Defeasance 42 noncovered 42 Unearned premium 42 Plans ULIPs 42 Premier Regular Saver 42 EPIL II 42 grantor trusts 42 Lapse Protection 42 perpetual debentures 42 Benistar Plan 42 UITs 42 actuarially unsound 42 MAIF 42 PPIFs 42 PRSI contributions 42 accounts HRAs 42 deduction 42 provident funds 42 wages Ecton 42 FAFLIC 42 EPE unitholders 42 Charitable Rollover 42 ScholarShare 42 Carer Allowance 42 Retirement Estimator 42 Jerry Miccolis 42 exchangeable certificates 42 non itemizers 42 UTI Mastershare 42 DEAR BRUCE My 42 www.fidelity.com 42 adjustments COLAs 42 Resetting Instalment 42 S2P 42 encashment 42 leave encashment 42 PPF levy 42 Magnum Taxgain 42 UITFs 42 IOLTA accounts 42 HECM 42 reversion schemes 42 Sallie Mae Upromise 42 Retirement Savings 42 nonrecourse loan 42 QDRO 42 prefunding 42 preretirement income 42 OFLA 42 FlexAccount 42 PEHP 42 ISA allowances 42 subadvisory 42 Upromise Investments 42 HSA HRA 42 HMO PPO 42 fortnightly installments 42 HSAs HRAs 42 stakeholder CTF 42 Dividend Reinvestment 42 Dependent Care Credit 42 ceded reinsurance 42 withholdings 42 savings 42 Medishield 42 Social Security withholdings 42 overfunded pension 42 Accrued severance 42 SPIA 42 demand obligations VRDOs 42 subordinated promissory note 42 Mediclaim 42 Easy Saver 42 Hartford Mutual Funds 42 Uninsured motorist 42 Trip Cancellation 42 LTC Consultants 42 PRPP 42 SCITI 42 First Instalment 42 Pensionsfonds 42 Surviving Spouse 42 Borrowing Fees 42 actuarially justified 42 fully amortizing 42 FICA taxes 42 Mcare 42 BlueCare 42 UTI Retirement 42 InSetCo 42 COBRA coverage 42 Unsecured loans 42 trivial commutation 42 Medicare Advantage 42 deductibles 42 CoverTN 42 SWYPX 42 confiscatory penalties 42 itemizers 42 Free Savings Account 42 Plans RRSPs 42 franking credits 42 negatively amortizing 42 Reward Checking 42 Form #NR 42 BENEFITS PACKAGE All 42 Amortizing 42 PersonalFinance 42 mediclaim 42 pensionable salary 42 Senior Secured Debt 42 Grantor Retained Annuity Trusts 42 Dependent Care 42 Securian Retirement 42 reinvested distributions 42 CHAMPUS 42 Jeevan Suraksha 42 1 Owner CarFax 42 Temporary Disability 42 Savings Account 42 Ginnie Maes 42 Tesco Clubcard Credit Card 42 payroll withholdings 42 SCITI II 42 Vanguard GNMA 42 residuary estate 42 unsecured promissory note 42 reversionary bonuses 42 occupational pensions 42 subsidized COBRA 42 alternative QDIA 42 LOSAP 42 GovGuam retirees 42 homestead deduction 42 Pengrowth unitholders 42 CEFs 42 decedents dying 41 MEMIC 41 putable 41 Fixed Rate Savings 41 Nationwide FlexAccount 41 Home Reversion 41 UMAs 41 per stirpes 41 insurable 41 Epack 41 inheritances 41 Standard Deduction 41 AMT exemption 41 unlinked shekel 41 cashable 41 LAGERS 41 Direct Deposit 41 taxable income 41 Moneyback 41 SIPP Self Invested 41 unamortized discount 41 spouse 41 MPSERS 41 Health Plans HDHPs 41 contributions NICs 41 Brokered CDs 41 RSPs 41 Prepaying 41 Variable Annuity Life