Enjoy steady, tax-deferred growth with the security of a fixed rate — no stock market risk.
No retiree should worry about losing money in market downturns or watching their savings grow too slowly. A Fixed Annuity offers guaranteed interest rates and principal protection, giving you financial confidence for the future.
The stock market can be unpredictable, making it hard to depend on investments.
Traditional savings accounts and CDs offer rates that may not keep up with inflation.
Many investments require annual taxes on earnings, slowing overall growth.
A Fixed Annuity is an insurance contract that protects your principal and provides a guaranteed interest rate for a set period.
Earn a fixed rate for a specific term (e.g., 3, 5, 7, or 10 years).
Your money is safe, even when the stock market fluctuates.
Unlike taxable investments, your interest accumulates tax-free until withdrawal.
You can choose to receive income payments or withdraw funds at the end of the term.
-Fixed Annuities come in 3, 5, 7, or 10-year terms with guaranteed rates.
-Your money grows at a predictable rate with no market risk.
At the end of the term, you can
withdraw your funds, renew your
contract, or convert it into an
income stream.
Traditional savings accounts may not keep pace with inflation.
Stocks and mutual funds can be unpredictable, putting your principal at risk
Many investments require you to pay taxes on gains every year.
Still have questions? Here are the answers to the most common questions we receive:
A Fixed Annuity offers tax-deferred growth, typically higher interest rates, and more flexible payout options than a CD. CDs are taxed annually, while Fixed Annuities defer taxes until withdrawal.
No, your principal is protected as long as you follow the contract terms. However, early withdrawals may be subject to surrender charges and IRS penalties if taken before age 59½. Remember, your principal is protected by the financial security of the carrier issuing the policy, so make sure you choose a highly rated carrier.
Earnings grow tax-deferred, and you pay ordinary income tax on withdrawals. If you take money out before age 59½, a 10% IRS penalty may apply. [Be sure to consult a qualified tax expert].
Fixed Annuities generally do not have upfront fees, but there may be surrender charges for early withdrawals. Some annuities also offer optional riders for income or long-term care benefits that may have additional costs.
Find out how much guaranteed income you
can receive.
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