📈 Annuities

Income you
cannot outlive.

An annuity turns your retirement savings into a guaranteed paycheck — for life. No market volatility. No running out of money. Just predictable income, month after month.

✓ ✓ Buy on your budget
✓ ✓ With a licensed agent
Your choice, always.
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Illustrative Income Estimate

Based on a $200,000 premium — actual rates vary

Fixed Annuity · 5-Year Term
Guaranteed rate 5.10%
Annual interest earned $10,200
Immediate Annuity · Life with 10-yr Certain
Est. monthly income (age 65) $1,087/mo
Guaranteed for life ✓ Yes

These are estimates for a 65-year-old male. Actual rates depend on age, annuity type, and insurer.

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Principal protected
📅
Guaranteed lifetime income
🤝
With or without an agent
📞

Help at (888) 804-8590

What is an annuity?

A guaranteed retirement paycheck — backed by an insurance company

An annuity is a contract: you give an insurance company a sum of money, and they promise to pay you back — with interest — over time, or for the rest of your life.

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Your principal is protected

With fixed and indexed annuities, your original investment is never at risk from market losses.

♾️

Income you cannot outlive

Choose a lifetime income option and receive guaranteed payments every month — no matter how long you live.

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Tax-deferred growth

Your money grows tax-deferred inside an annuity — you pay no taxes on gains until you take withdrawals.

How an annuity works
1

You fund the annuity

Make a single lump-sum payment to the insurance company. Most annuities start at $10,000–$25,000 minimum.

2

Your money grows

During the accumulation phase, your money earns interest — at a guaranteed fixed rate, or linked to a market index with downside protection.

3

You receive income

At the time you choose, begin receiving regular payments — monthly, quarterly, or annually. Choose lifetime income or a fixed period.

4

Beneficiaries are protected

Many annuities include a death benefit that passes remaining contract value to your named beneficiaries outside of probate.

Annuity Types

Find the annuity that fits your retirement strategy

🔵 Fixed Annuity
🏦

Fixed Annuity

Earn a guaranteed interest rate on your premium for a set term. Ideal for safe, predictable accumulation.

Typical rate4.5%–5.5%
Term options2, 3, 5, 7, or 10 years
Market riskNone — fully guaranteed
🟡 Indexed Annuity
📊

Fixed Indexed Annuity (FIA)

Earn interest linked to a market index with a 0% floor. More growth potential, full principal protection.

Growth potentialMarket-linked with cap
Downside floor0% — can’t lose principal
Best forGrowth + protection balance
🟢 Immediate Annuity
💸

Immediate Annuity (SPIA)

Convert a lump sum into a guaranteed income stream that starts within 30 days. Your personal pension.

Income startsWithin 30 days
Payment optionsLife, joint life, period certain
Best forRetirees needing income now
🟣 Flexible Premium Annuity
⏳

Flexible Premium Deferred Annuity (FPDA)

Make ongoing contributions on your schedule — not just a single lump sum. Your money grows tax-deferred until you’re ready to convert to income.

ContributionsFlexible — add funds anytime
GrowthTax-deferred accumulation
Best forSavers building retirement income
Current Rates

Today’s annuity rates are near historic highs

Fixed annuity rates are the highest they have been in over a decade.

2-Year Fixed Annuity

4.75%
Guaranteed rate

5-Year Fixed Annuity

5.10%
Guaranteed rate

7-Year Fixed Annuity

5.25%
Guaranteed rate

Fixed Indexed (FIA)

Up to 10%
Annual cap (varies)

Rates are representative samples and subject to change. Get a quote for current personalized rates.

Annuity Income Estimator

Estimate how much monthly income your annuity could generate.

Estimated Monthly Income
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How it compares

Annuity vs. other retirement income options

Feature 📈 Annuity 🏦 CD/Savings 📊 Stocks/ETFs 🏠 Real Estate
Guaranteed income for life ✓ Yes ✗ No ✗ No ✗ No
Principal protection ✓ Yes (fixed/indexed) ✓ Yes (FDIC) ✗ No ~ Partial
Tax-deferred growth ✓ Yes ✗ No ~ Roth only ~ Partial
Market upside potential ~ Indexed (capped) ✗ No ✓ Yes ✓ Yes
Common Questions

Annuities — FAQ

An annuity is a contract with an insurance company where you deposit a lump sum and receive either a stream of payments or interest growth over time. They are primarily used to create guaranteed retirement income and protect savings from market losses.
With fixed and indexed annuities, your principal is fully protected from market losses. However, surrender charges apply if you withdraw early — these typically phase out over 5–10 years.
A fixed annuity pays a set guaranteed interest rate — simple and predictable. A fixed indexed annuity (FIA) credits interest based on how a market index performs, with a 0% floor so you cannot lose in a down year.
Yes. With Quote-Bot you can explore annuity options, compare rates, and get a quote entirely on your own — or connect with a licensed specialist at any point. The choice is always yours.