There are several types of annuity products available to choose from. Whether you’re looking for income options, legacy planning tools or spousal protection, your advisor can tailor a plan to meet your specific goals. For this reason, each annuity will differ in terms of:

  • Time frames
  • Fees
  • Rider options (lifetime income and death benefits)
  • Tax implications
  • Risk/reward
  • Flexibility
  • Rate lock-ins
  • Payment dates
  • Security
  • Spousal protection

Find the right fit

Variable annuity

Greater opportunity for growth and more risk exposure

This may be a good option for you if you want the long-term opportunity for growth in the market and are able to handle the risks that come with the market's ups and downs.

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Fixed indexed annuity

Guaranteed protection plus growth potential

This option may appeal to you if you want a chance for upside gains in a good market while also receiving a level of protection from possible downturns.

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Immediate annuity

Immediate guaranteed income

This option is designed for people who plan to withdraw money in the first year, or for someone who has access to other retirement income and wants the security of a guaranteed income for the rest of their life or for a set period of time.

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Fixed annuity

Guarantees with some growth

This may be a good choice if you want a guaranteed interest rate without market participation (minimal investment risk, but still a chance to grow money at a set interest rate).

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Annuity resources

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Visit our library of annuities articles in the Learning Center.

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View and download our comprehensive guide.

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Learn about the features and benefits offered by the different annuity types.

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An annuity is a contract you purchase from an insurance company, designed for long-term investing. The values will fluctuate based on investment option performance. Annuities have restrictions and limitations, and fees and charges will vary based on the product. You may be charged a penalty if you take your money out early. Withdrawals may be subject to ordinary income taxes, and if you are under age 59½, you may pay a 10% federal tax penalty. Please remember that investing involves risk, including possible loss of principal. All guarantees and protections are subject to the claims-paying ability of the issuing insurance company.