Coverage · Annuities
Options designed to help turn savings into a dependable stream of retirement income, with features that vary by product and carrier.
How it works
An annuity is a contract with an insurance company. You contribute money — all at once or over time — and in return the annuity is designed to provide income, either now or at a future date.
There are different types, including fixed and fixed indexed annuities. Some offer guaranteed interest, some link growth potential to a market index with protection against index losses, and many offer lifetime income options. Guarantees are based on the claims-paying ability of the issuing carrier.
May be a good fit if
You want to turn part of your savings into predictable income.
You value protecting your principal more than chasing the highest returns.
You’d like income options that can last for the rest of your life.
Common questions
Most annuities allow limited withdrawals, but early withdrawals beyond those limits may be subject to surrender charges and possible tax penalties. We’ll explain the terms before you decide.
Fixed indexed annuities are designed to protect your principal from market losses, though fees, riders, or early withdrawals can reduce your value. Details vary by product.
No. Annuities are long-term products and aren’t a fit for every situation. We’ll look at your goals honestly and only recommend options that make sense for you.
Annuities are long-term products. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Surrender charges may apply to early withdrawals, and withdrawals may be subject to income tax and penalties. Product features and availability vary by carrier and state. We do not provide tax or legal advice.
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