Retirement income
Annuities for Predictable Retirement Income
Protect your future with annuities that offer dependable payouts and long-term financial security — tailored to your goals and timeline.
- Fixed, indexed & deferred
- Lifetime income options
- Tax-deferred growth
- Licensed & independent
- 100% no-cost guidance
- 25+ years of experience
- Year-round, real-person support
Types of annuities
Choose the structure that fits your goals
Fixed annuities
Guaranteed payments at a fixed rate. Predictable and secure, ideal for conservative savers.
Indexed annuities
Returns linked to a market index like the S&P 500, with principal protection.
Variable annuities
Payments vary with your chosen investments. More growth potential, more risk.
Immediate annuities
Funded with a lump sum and begin paying within about a year. Built for income now.
Deferred annuities
Delay payments to a future date while your money grows tax-deferred.
Understanding annuities
Annuities are financial products designed to provide a steady income stream and are often a cornerstone of retirement planning. Offered by insurance companies, they can provide predictable income for a set period or for the rest of your life. You fund an annuity with a single lump sum or a series of contributions over time.
The right annuity depends on your goals, risk tolerance and income needs — whether you want income right away or prefer to grow your money for the future.
When to consider an annuity
- Retirement transition: create stable income that complements Social Security and savings.
- Lump-sum windfalls: convert part of an inheritance or severance into dependable future income.
- Deferred income strategy: start early to take advantage of tax-deferred growth.
- Longevity protection: lifetime income options help you avoid outliving your savings.
What to consider before you buy
- Income needs: how much supplemental income you'll need, and for how long.
- Payout options: fixed period, lifetime income, or joint payouts with a spouse.
- Fees & expenses: variable and indexed annuities may carry higher fees.
- Liquidity: surrender charges may apply to early withdrawals.
- Tax implications: growth is tax-deferred; withdrawals are taxed as ordinary income.
- Inflation protection: some contracts offer riders that help payments keep pace with inflation.
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FAQ
Annuity questions
What is an annuity?
An annuity is a contract with an insurance company that turns a lump sum or a series of contributions into a stream of income, either for a set period or for life. It's commonly used to create predictable retirement income.
What's the difference between fixed and indexed annuities?
A fixed annuity pays a guaranteed interest rate. An indexed annuity credits interest based partly on a market index, such as the S&P 500, while protecting your principal from market losses, subject to caps and participation rates.
Are annuity earnings taxed?
Earnings generally grow tax-deferred and are taxed as ordinary income when withdrawn. Withdrawals before age 59½ may also incur a federal tax penalty. Consult your tax advisor about your situation.
Can I access my money early?
Many annuities allow limited penalty-free withdrawals, but larger early withdrawals usually trigger surrender charges during the surrender period. Make sure you won't need those funds in the near term.
Annuities are insurance products, not bank deposits, and are not FDIC insured. Guarantees are backed by the claims-paying ability of the issuing insurer. This content is educational and is not tax or investment advice.