Insurance-Based Strategies
Fixed & Indexed Annuities
Guaranteed, tax-deferred retirement income.
Annuities are insurance contracts that can provide tax-deferred growth and a guaranteed income stream in retirement.
How it works
You contribute to an annuity that grows tax-deferred; later, the contract can pay a guaranteed income stream, for a set period or for life, depending on the type of annuity and the options selected.
Benefits & considerations
Potential benefits
- Tax-deferred growth until withdrawal
- Option for guaranteed lifetime income
- Principal protection with fixed / indexed types
- Helps manage longevity risk
Considerations
- Surrender charges for early withdrawal
- Fees and riders affect returns
- Guarantees depend on the issuing insurer
Who it is for
Pre-retirees who want predictable, protected retirement income.
Explore Fixed & Indexed Annuities for your situation
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