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	Did You Know?
	A variable annuity has two phases: an accumulation phase and a payout phase. During the accumulation phase, you make purchase payments, which you can allocate to a number of investment options. For example, you could designate 40% of your purchase payments to a bond fund, 40% to a U.S. stock fund, and 20% to an international stock fund. The money you have allocated to each mutual fund investment option will increase or decrease over time, depending on the fund's performance.

Our Hawaii Annuity Lawyers are lawyers who specialize in the field of Annuity Law and other White-Collar crimes.

An annuity is an annual sum paid from a policy or gift. Annuity is short for a purchased annuity policy, which will pay dividends to its owner over a fixed period of time, or for life. Annuities are detailed contracts between you and an insurance company.

There are two kinds of annuities: Immediate Annuities and Deferred Annuities. Immediate Annuities are transacted by giving the insurance company money and the company promises to make immediate regular payments to you over your lifetime. Deferred Annuities allow your money to grow or accumulate through tax-deferred interest accumulation over a period of time before the insurance company begins paying you.

Sadly, annuities fraud is one of the most common white-collar crimes committed by criminals.

There are many different ways a criminal can commit annuities fraud, including:

• Client Manipulation
• Providing False Information
• Lying to Auditors
• Unauthorized Transactions
• Breach of Fiduciary Duty
• Broker Embezzlement

If you or anyone you know needs an attorney specializing in Hawaii Annuities Law, or any related topic, contact us now and receive a free case review.

Contact our Hawaii Annuity lawyer today and get a free consultation!

Hawaii Audio & Video

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