2016 Best Annuity Rates - Compare All Types of Annuities

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Payout Options

When you are ready to being taking out funds from your annuity, there are different methods you can choose from. The most common methods are the annuitization method, the systematic withdrawal schedule, and a lump sum payment. Annuitization methods offer some guarantee of monthly income for a specified period of time. The holder also has complete control over the timing...

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Pros and Cons

To ensure an annuity is the right choice for you, it is important to weigh the pros and cons carefully. One major benefit of purchasing an annuity is the lifetime income feature. Annuities work well to offset any income loss in retirement. Most pensions on average cover 60 to 70 percent of someone’s pre-retirement income. Most workers standard of living is based on 90 percent...

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What is an Annuity?

An annuity is a contract that is sold by an insurance company and specially designed to provide payments to the holder at specified intervals. Annuity payments are typically used after retirement. All annuities are tax-deferred. This means that the holder of an annuity does not pay taxes on the funds and earnings until he or she begins taking distributions…

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Variable Annuities

A variable annuity is a tax-deferred supplemental retirement option that allows the holder to choose from a selection of investments, then pays the holder a level of income during retirement that is determined by the performance of the chosen investments. A fixed annuity offers its own set of advantages. Unlike a fixed annuity, variable annuities are specifically...

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Non Qualified Annuity

Non-qualified annuities are different from other types of annuities because this product is purchased with after-tax money. However, if the non-qualified annuity is partially or fully surrendered, the first funds out are considered earnings. All earnings are taxed as ordinary income. Once all of the earnings have been distributed, the remaining portion that represents the original...

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Longevity Annuity

A longevity annuity, also known as an advanced life delayed annuity, can provide protection against outliving retirement savings late in life. However, this type of annuity requires the holder to wait until age 80 or older to begin receiving payouts. Once payouts begin, the annuity offers the benefit of a guaranteed, regular amount of income for the remainder of the holder’s life...

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Immediate Annuity

Immediate annuities, also known as income or payout annuities, are very similar to a life insurance policy. However, instead of paying regular premiums to an insurer who will make a lump sum payment upon the holder’s death, an immediate annuity allows the holder to pay a lump sum in return for regular income payments for a specified period of time, or until death...

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Fixed Annuities

Fixed annuities are investment options issued by insurance companies that are similar to CDs. Like a CD, a fixed annuity will pay a guaranteed rate of interest. However, in many cases the interest amount is higher for an annuity than for a bank issued CD. Fixed annuities are eligible to be deferred or to be used immediately. The deferred fixed annuity will accumulate regular rates of interest...

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Equity Indexed Annuity

An equity indexed annuity is a unique combination of a fixed annuity and a variable annuity, and is designed to give the holder the advantages of both. Like a fixed annuity, an equity indexed annuity will offer low risk with a guaranteed minimum return. Like a variable annuity, the holder may also receive higher gains if the stock market rises. This is because an equity indexed annuity's...

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Deferred Annuity

A deferred annuity delays payment of income, installments or a lump sum until the holder decides to receive them. This type of annuity has two main phases: 1) the savings phase where money is invested, and 2) the income phase where the plan is converted into an annuity and payments are received. A deferred annuity has the advantage of being either variable, equity indexed, or fixed...

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