Fixed annuities
Credit a rate set by the insurance company for a stated period. They suit people who want predictable growth without market ups and downs.
Single or flexible premium
A single-premium annuity starts with one lump sum. A flexible-premium annuity lets you add money over time, which suits people still saving toward retirement.
Fixed indexed annuities
Credit interest based partly on a market index, with limits on the upside and protection against index losses under the contract's terms. Your money is not invested directly in the market.
Turning savings into income
Many annuities can convert savings into a stream of payments, for a set number of years or for life, to sit alongside a pension and other retirement savings.
Before you buy
Most annuities charge a surrender fee if you take out more than the allowed amount in the early years. Many states also give you a free look period to review the contract after you buy. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
Questions to consider
- Which monthly bills would I like covered by guaranteed income?
- When might I need access to this money?
- How do the surrender charges work on this contract?
Compare your options with us
We will discuss the coverage, premiums, limitations and application requirements together. There is no obligation to apply.
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