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Fixed Annuities

An annuity is an insurance product that pays out income, and can be used as part of a retirement strategy. Annuities are a popular choice for investors who want to receive a steady income stream in retirement.

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Immediate Annuities

Instead of paying regular premiums to an insurer that makes a lump-sum payment upon your death, with an annuity you give the insurer a lump sum of cash in return for regular income payments until you die. As the name suggests, immediate annuities start paying out right away, so they're are frequently used by people already in retirement.

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Deferred Annuities

A deferred annuity is a type of annuity contract that delays payments of income, installments or a lump sum until the investor elects to receive them. This type of annuity has two main phases: the savings phase in which you invest money into the account, and the income phase in which the plan is converted into an annuity and payments are received.

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Fixed Income Annuities

A fixed income annuity provides you, or you and your spouse, with guaranteed income by turning a portion of your savings into a stream of income payments for the rest of your life or a set period of time. Fixed income Annuities are predictable, guaranteed lifetime income. You can also receive income now or in the future.

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Lifetime Income Annuities

An income annuity allows you to convert part of your retirement funds into a stream of guaranteed lifetime income payments using a single lump-sum of money called a “premium,” or through flexible premium payments over time, depending on the type of product selected. Help reduce the risk that you will outlive your retirement savings with a lifetime income annuity.

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SPIA

A Single Premium Immediate Annuity is a contract between you and the insurance company where you give the insurance company a lump sum of money (Single Premium) and in return the give you a guaranteed payment for a specified time period or until you or your and your spouse dies.

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