Annuity

Fixed Annuitites: Benefits offered by annuities include:

• Tax-deferred growth potential
  
• Potential for indexed interest
  
• Guarantees to your principal
  
• The option to take a lifetime income stream
  

Avoiding probate with a properly named beneficiary other than your estate
➢ > Fixed Index Annuities (FIA)
➢ 
> Bonus Annuities

➢ > Immediate Annuities

➢ > Multi-Year Guaranteed Annuities

➢ Variable Annuities:
Tax-deferred accumulation phase: During the accumulation phase, a variable annuity can be an ideal vehicle to help you build your retirement nest egg. Your money has the potential to grow, tax-deferred, as you invest your assets in a wide variety of investment options. You only pay taxes when you take withdrawals.
Retirement income phase: When you are ready to start taking income, a variable annuity offers a wide array of payout options. You can choose whether you want to receive income for a specific period of time or receive income that you can't outlive.
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Allianz

Industry:insurance
Products: insurance, financial service

• Property and Caualty
  
• Life and health
  
• Asset Management
  
• Banking

Forwards

A forward contract is an agreement between two parties to buy or sell an asset at a specified point of time in the future. The price of the underlying instrument, in whatever form, is paid before control of the instrument changes. This is one of the many forms of buy/sell orders where the time of trade is not the time where the securities themselves are exchanged.
The forward price of such a contract is commonly contrasted with the spot price, which is the price at which the asset changes hands on the spot date. The difference between the spot and the forward price is the forward premium or forward discount, generally considered in the form of a profit or [loss] by the purchasing party.
This process is used in financial operations to hedge risk, as a means of speculation, or so as to allow a party to take advantage of a quality of the underlying instrument which is time-sensitive.

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Futures

In finance, a futures contract is a standardized contract, traded on a futures exchange, to buy or sell a certain underlying instrument at a certain date in the future, at a specified price. The future date is called the delivery date or final settlement date. The pre-set price is called the futures price. The price of the underlying asset on the delivery date is called the settlement price.
A futures contract gives the holder the obligation to buy or sell, which differs from an options contract, which gives the holder the right, but not the obligation. In other words, the owner of an options contract may exercise the contract, but both parties of a "futures contract" must fulfill the contract on the settlement date. The seller delivers the commodity to the buyer, or, if it is a cash-settled future, then cash is transferred from the futures trader who sustained a loss to the one who made a profit. To exit the commitment prior to the settlement date, the holder of a futures position has to offset his/her position by either selling a long position or buying back a short position, effectively closing out the futures position and its contract obligations.

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Types of Derivatives

–Forwards

–Futures

–Swaps (& TRS)

–Structured Notes

–Options

–Credit Default Swaps (CDS)

What are Derivatives?

•A claim whose cash flow and value are derived completely from one or more underlying assets, financial instruments or indices
•Usually involve one of the following:
•Futures
•Swaps
•Options
•Traded on exchanges like CBOT and CME and off-exchange (OTC)

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AIG Global investment

Industry: Insurance Financial services
Products: Insurance annuities, Mutual funds, Retirement services

Many employees invest in employer-sponsored retirement plans. These group plans are tax-advantaged, defined-contribution plans where participants generally contribute pretax through payroll deduction.

Subsidiaries: 

• AIG American General Life Companies
  
• AIG Annuity Insurance Company
  
• AIG Europe (UK) Limited
  
• AIG Financial Products Corp.
  
• AIG Hawaii Insurance Company, Inc.
  
• AIG Investments
  
• Utilities, Inc.
  
• AIG Retirement Services, Inc.
  
• AIG SunAmerica Life Assurance Company
  
• The Variable Annuity Life Insurance Company
  
• Allied World Assurance Company Holdings, Ltd
  
• American General Finance Corporation
  
• American Life Insurance Company
  
• Brazos Capital Management, L.P.
  
• HSB Group, Inc.
  
• International Lease Finance Corporation
  
• Lexington Insurance Company
  
• SunAmerica Ventures, Inc.
  
• AIG Financial Advisors
  
• Transatlantic Holdings, Inc.
  
• Transatlantic Re (Brasil) Ltda.
  
• Transatlantic Reinsurance Company
  
• United Guaranty Corporation