Types of Annuities
Zero In on the Annuity That Fits You
Ready to match an annuity to your retirement goals—or confirm you don’t need one at all? Start here.
Types of Annuities
Helping You Know Before You Sign
MYGA, FIA, GLWB riders—when it comes to selecting the right annuity, there’s a lot to understand. That’s why we’ve broken each annuity type into plain English summaries designed to build your knowledge and help you make the right decision for your retirement.
Fixed Index Annuities**
Opportunity to earn interest tied to an external market index (limited by the issuing company, while your principal stays 100% protected in down years—no losses, only growth potential.
Variable Annuities*
Invest in stock-and-bond sub-accounts for unlimited upside potential, with optional riders that can add lifetime income or downside buffers for a fee. Involves market risk, including possible loss of principal.
Immediate Annuities**
SPIAs
Turn a lump sum into a steady income stream that typically starts within 30 days and can last as long as you—or you and a spouse—do.
Deferred Annuities**
Grow tax-deferred now and may be converted to guaranteed income later, letting you control when you tap your retirement income.
QLAC**
Help reduce RMDs now and secure guaranteed lifetime income later, helping you minimize taxes and protect your savings from running out.
*Before investing, investors should carefully consider the investment objectives, risks, charges, and expenses of the variable annuity and its underlying investment options. The current contract prospectus and underlying fund prospectuses, which are contained in the same document, provide this and other important information. Please contact your financial professional or the Company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money.
**Annuities contain limitations including withdrawal charges, fees and a market value adjustment which may affect contract values.
Annuities are products of the insurance industry; guarantees are backed by the claims-paying ability of the issuing company and for variable annuities, do not apply to the performance of the variable subaccounts which will fluctuate with market conditions. Guaranteed lifetime income available through annuitization or the purchase of an optional lifetime income rider, a benefit for which an annual premium is charged. Annuity withdrawals are subject to ordinary income taxes, including a potential 10% IRS penalty if taken before age 59-1/2.
Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting your interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in your best interest. Advisors may receive commission for the sale of insurance and annuity products.
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