A Deferred Income Annuity (DIA) allows you to structure
future income, reducing uncertainty in retirement.
No retiree should have to worry about outliving their savings or being
forced to take withdrawals too soon. A DIA lets you lock in future payments, structured according to your needs.
A Deferred Income Annuity (DIA) is a tax-deferred annuity that provides future income payments beginning on a date you choose.
Lock in a structured future income stream
Reduce exposure to stock
market fluctuations
Choose when your income starts
(e.g., 5, 10, or 20 years later)
Customize your payout options:
lifetime income, joint income, or
period certain
A Deferred Income Annuity may be right for you if:
You want to create a reliable income stream starting at a future date.
You are in your 50s or 60s and want to secure guaranteed payouts for later years.
You prefer a structured payout schedule to prevent overspending in early retirement.
You want to maximize Social Security benefits by delaying withdrawals.
DIA (Deferred Income
Annuity
Locked-in future
retirement paycheck
NO DIRECT
MARKET RISK
SPIA (Single Premium
Immediate Annuity)
Payments start within
30 days
NO DIRECT
MARKET RISK
401(k) or IRA Withdrawals
Those who want
flexibility
Fixed Indexed Annuity
(FIA)
Those who want
growth & income
NO DIRECT
MARKET RISK
SPIA (Single Premium
Immediate Annuity)
Retirees who need
immediate, guaranteed income
N0
401(k) or IRA
Withdrawals
yes
Fixed Indexed Annuity
(FIA)
Stocks & Dividends
Pick a future date when you want payments to begin-typically 5 to 20 years from now.
Use savings, a 401(k) rollover,
IRA, or lump sum to fund your
annuity.
Payments start at your chosen
date and continue based on the
payout option you select.
Inflation risk – Payments may lose purchasing power over time unless an inflation-adjusted payout option is selected.
Funded with after-tax money: A portion of each payment is tax-free, and the rest is taxed as ordinary income.
Funded with pre-tax money (IRA or 401(k)): Payments are fully taxable as ordinary income when received.
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