2024年12月11日 · Fixed and immediate annuities accumulate interest according to a set rate that’s guaranteed when the contract is purchased. Indexed annuities earn interest based on a minimum fixed rate and additional interest that’s credited based on the performance of an equity market index like the S&P 500. Guarantees and Riders

Buying Annuities. Guaranteed Income for as Long as You Need It. Annuities are a great option for retirement planning. They provide a steady lifetime income and tax benefits while protecting your original investment. You can customize annuity contracts to fit your specific needs, like covering long-term care or leaving a legacy for your ...

2025年1月14日 · The Main Types of Annuities. Annuities are diverse products. There are several types, each suited to various financial situations and goals. Some options, like fixed annuities, are straightforward with few bells and whistles. Other options, like variable annuities, can be much more complex but potentially result in higher returns.

2025年1月7日 · Annuities are insurance products that provide a guaranteed income stream in exchange for an upfront premium. There are many different types of annuities, each with different risk levels, payout options and accumulation methods. Annuities are best suited for people nearing or in retirement who want protection against outliving their savings.

2024年12月17日 · Immediate Annuities. Immediate annuities are designed to pay income within 12 months of the contract completion. These annuities offer a fixed, guaranteed monthly income payment for either a predetermined length of time or the length of the annuitant’s life. Immediate income annuities are considered a way to achieve longevity insurance and ...

5 天之前 · Immediate annuities, also known as income annuities or single premium immediate annuities, convert premiums to a stream of income instantly. This doesn’t mean that the annuitant must begin receiving income payments immediately. In fact, deferred income annuities (DIAs) are annuitized immediately, but payments begin at a specified future date.

2024年11月22日 · Our relationships with partner organizations allow us to facilitate the sale of annuities and other retirement-oriented financial products to consumers who are looking to purchase safe and reliable solutions to fill gaps in their retirement income. We are compensated when we produce legitimate inquiries, and that compensation helps make Annuity ...

2025年1月7日 · Like all annuities, income annuities offer tax deferral, meaning you pay ordinary income taxes only when you receive payments. “The most common [income] annuity used is called a SPIA, or single premium immediate annuity,” Matt Lewis, Certified Long-Term Care Specialist and vice president of insurance at Carson Group, told Annuity.org ...

2024年11月26日 · Annuities for Different Objectives. When comparing annuities, it helps to understand how each kind might support the different financial objectives you may have. Fixed annuities are the least complicated and least expensive type of annuity. They are based on bonds and other fixed-income products and intended to provide a guaranteed income ...

2025年1月14日 · Jennifer Schell is a professional writer focused on demystifying annuities and other financial topics including banking, financial advising and insurance. She is proud to be a member of the National Association for Fixed Annuities (NAFA) as well as the National Association of Insurance and Financial Advisors (NAIFA). ...