Drink your water! Water remains one of the best things you can do to improve kidney function. Without enough water, your kidneys will NOT function properly. Many holistically-trained physicians recommend drinking about Â½ your body weight â in ounces â of pure (clean) water per day.
At present the average return is running 3 to 4 percent tax deferred with an index annuity. However the individual insurance company sets the cap on index returns and fixed rates yearly basis.
Because of these withdrawals and investment losses, your account value is currently $40,000. If you die, your designated beneficiary will receive $45,000 (the $50,000 in purchase payments you put in minus $5,000 in withdrawals). Some variable annuities allow you to choose a stepped-up death benefit. Example: Your variable annuity has a mortality and expense risk charge at an annual rate of 1.25% of account value. 2  Your average account value during the year is $20,000, so you will pay $250 in mortality and expense risk charges that year.