FIXED ANNUITIES

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What is a Fixed Annuity?

With a fixed annuity, the insurance company guarantees both the rate of return to the investor. Often the interest rate is fixed for a number of years and then changes periodically based on current rates.

While you are accumulating assets in a deferred fixed annuity, your investment grows tax-deferred. The insurance company agrees to pay you no less than a specified rate of interest during the time that your account is growing. With an immediate fixed annuity—or when you "annuitize" your deferred annuity—you receive a pre-determined fixed amount of money, usually on a monthly basis (similar to a pension). These payments may last for a specified period, such as 25 years, or an unspecified period such as your lifetime or the lifetime of you and your spouse. 

The predictability of a fixed annuity makes it a popular option for investors who want a guaranteed income stream to supplement their other investment and retirement income. Fixed annuity payouts are not affected by fluctuations in the market, so they can provide peace of mind for investors who want to ensure that they will have enough money to carry them through retirement and cover identified future expenses. 

Fixed Annuity Regulation

Fixed annuities are regulated by state insurance commissioners. Be sure to check with them to confirm that your insurance broker is registered to sell insurance in the state, and inquire about whether your state has a guaranty association that provides some level of protection if an insurance company doing business in that state fails.   

It is important that you read all insurance contract disclosures carefully, before making a purchase decision. Rates and returns mentioned on this program may vary based on state availability, and our subject to change without notice. Guarantees apply to certain insurance and annuity products, including optional benefits, not securities, variable, or investment advisory products, and are subject to product terms, exclusions, and limitations. Investments that offer principle protection, may carry limitations, such as minimum holding periods, or age restrictions. Guarantees associated with certain investment products may only be available for an additional cost. Annuities or long term investments, designed for retirement purposes, are not FDIC insured. Withdrawals of taxable amounts are subject to income tax, and if taken prior to age 59 and a half, a 10 percent federal tax penalty may apply. Early withdrawals may be subject to withdrawal charges. All guarantees are based on the claims paying ability of the issuing company.