Learn what annuities are, how fixed, variable, indexed, immediate, and deferred annuities work, and how they can help provide steady retirement income.

First determine what type of annuity you have ...

A fixed deferred annuity is a deferred annuity (i.e., one in which regular annuity payments may be deferred), the value of which is represented in fixed units (U.S. Dollars) rather than variable units ...

A deferred annuity is a long-term contract with an insurance company that provides future income–often for life–in exchange for premium payments, with options like fixed, variable, and indexed types ...

A fixed index annuity is a fixed deferred annuity in which interest crediting is done retroactively, at the end of the crediting period (which may be one year or more) and where the crediting rate is ...

A fixed annuity provides a guaranteed income stream. Payouts can be immediate or deferred. Drawbacks include limited upside. Annuities can help ensure your retirement savings last your entire life.

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A deferred annuity is a long-term investment that grows tax-deferred and provides income in retirement. Interest earnings ...

In contrast, a fixed deferred annuity is the safest option, often compared to a certificate of deposit (CD). A fixed annuity’s interest rate is often much smaller than market returns, but its certain ...