Protect What You’ve Built. Create Income You Can Count On.
The right annuity strategy can help protect what you’ve built and turn retirement savings into dependable income.
Annuities: Frequently Asked Questions
How can an annuity help with retirement income?
Certain annuities can provide predictable income for a set period or, when optional income features are selected, potentially for life. This can help supplement Social Security, pensions, and other retirement savings.
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Can I lose money in an annuity when the stock market goes down?
It depends on the type of annuity. Fixed and fixed indexed annuities are generally designed so contract value is not directly reduced by stock market declines, subject to the terms, limitations, fees, withdrawals, and other provisions of the contract.
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What is a fixed indexed annuity?
A fixed indexed annuity is an insurance product that can credit interest based in part on the performance of a market index. You do not invest directly in the index, and credited interest is determined according to the contract’s participation rates, caps, spreads, or other crediting terms.
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Can I access my money after purchasing an annuity?
Most annuities allow some access to your funds, but withdrawals may be subject to surrender charges, contract limitations, taxes, or other restrictions. It is important to maintain separate emergency savings and understand the liquidity provisions before purchasing an annuity.
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How do I know if an annuity is right for me?
An annuity may be worth considering if you are looking for more predictable retirement income, protection from direct market losses, tax-deferred growth potential, or optional lifetime-income features. Whether it is appropriate depends on your goals, time horizon, liquidity needs, existing assets, and overall retirement plan.
Talk to us to learn more and explore whether an annuity may fit your retirement goals.
Retirement Income Resources for a More Confident Future
Explore practical guides designed to help you better understand market protection, retirement income gaps, access to your money, and how different income strategies may fit into a broader retirement plan.
Learn how certain retirement strategies can help reduce exposure to market downturns while keeping long-term goals in focus. Click here to learn more.
Understand how to identify potential income shortfalls and build a strategy to help cover the gap throughout retirement.
Click here to learn more.
Explore ways to create retirement income while maintaining flexibility for unexpected expenses and changing needs.
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See how different income sources, withdrawals, liquidity needs, and long-term goals can work together in a coordinated retirement plan. Click here to learn more.
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