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What is an Annuity?

An annuity is long-term retirement product that can help protect you against the risk of outliving your assets. It is a contract between you and an insurance company: you receive future income in return for your contributions.

Any earnings on contributions are tax-deferred until they are withdrawn, usually at retirement. You may receive income in a number of ways, including payments that will last for as long as you live. Annuities can be a valuable addition to your retirement plan.

Annuities may help you:

  • Receive retirement income payments for as long as you live
  • Protect beneficiaries with a death benefit
  • Diversify your investments
  • Provide an opportunity for growth on a tax-deferred basis
  • Avoid outliving your assets

Types of Annuities

Fixed Annuities

Safety, stability and guarantees
  • Tax-Deferred Growth
  • Guaranteed Principal, Interest and Renewal Rates
  • Benefits to Spouses and Beneficiaries
Immediate Annuities

Regular income now and for life
  • Regular Payments
  • Distribution Options
  • Choice of Contract Types
  • Tax Benefits
  • Postponement of Taxes
  • No Withdrawals
Employer-Sponsored Retirement Plans
  • Offered through employers
  • Available for educators and employees of non-profit organizations