So, you can have a deferred fixed annuity or a deferred variable annuity, for example, or even an immediate fixed annuity. During the accumulation phase, the structure of the annuity affects how ...

A joint-life annuity ensures that after one annuitant dies, payments continue for the life of the surviving spouse. If the ...

As part of any retirement planning scenario, you will look at all the options available. Whether this is maintaining a ...

Deferred annuities, on the other hand ... the annuity portfolio’s gains are capped at a certain percentage. For example, if an indexed annuity’s returns were capped at 75%, and the underlying ...

One of the biggest mistakes people make when buying an annuity is overlooking the fees. Annuities are often loaded with ...

Explore the ins and outs of variable annuities, including their benefits, risks and how they compare to a buy-and-hold ...

Learn how required minimum distributions (RMDs) affect your variable annuity contract and how to choose benefits that play nicely with RMDs.

An accumulation period is one of those concepts you should understand if you own a deferred annuity, or if you’re interested in buying one. It’ll help you understand why these financial ...

The 2024 snapshot showed declining demand for fixed-rate deferred annuities in the fourth quarter after the Federal Reserve started cutting interest rates in September. Based on preliminary fourth ...

Deferred annuities have an investment phase and an ... There is usually a guaranteed minimum rate and a maximum rate of return. For example, you might have a minimum rate of 2% and a maximum ...