Annuities Overview
The three annuity types most retirees consider
Annuities are insurance products designed to protect your savings and turn them into reliable retirement income. Here's how the most popular types actually work, in plain English.
Fixed Annuities
A guaranteed interest rate for a set period. Simple, predictable growth with full principal protection.
Learn moreFixed Indexed Annuities (FIAs)
Growth linked to a market index with a floor of zero, so you can gain when the market rises and never lose principal when it falls.
Learn moreMYGAs
Multi-year guaranteed annuities lock in a fixed rate for 2–10 years. Often compared to CDs, but with tax deferral.
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Related
Fixed Annuities
Guaranteed rates and full principal protection for a set term.
Fixed Indexed Annuities (FIAs)
Market-linked growth with a zero-percent floor on losses.
MYGAs (Multi-Year Guaranteed Annuities)
Lock in a fixed rate for 2–10 years, similar to a CD with tax deferral.
Retirement Income Planning
Build a lifetime income plan that covers your essential expenses.