Every Superb Assets article on annuities — fixed, indexed, MYGA, income riders, taxes, payouts and buying decisions, in plain English.
What an annuity income rider actually does, what the annual charge buys you, how the benefit base differs from your account value, and when to skip it.
Immediate vs deferred annuity — one starts paying income now, the other grows first. Here is how each works and which one fits your retirement timeline.
Are annuities a good investment in 2026? An honest look at the real advantages, the genuine drawbacks, and the specific retirees each type actually suits.
The best time to buy an annuity depends on the type, your age, and the trigger event in your financial life. Here is exactly when each annuity type makes the most sense.
How qualified and non-qualified annuities are taxed, including LIFO withdrawals, the exclusion ratio, the 10% early-withdrawal penalty, RMDs, and state tax notes.
Payout tables for $50,000 to $1,000,000 premiums, broken out by age 60, 65, 70, and 75 and by single-life vs joint-life income, plus a quick estimator.
The right annuity can protect your spouse's income for life — even after you are gone. Here is exactly how joint and survivor annuities work and why this decision matters more than almost any other in retirement.
A fixed annuity pays a guaranteed interest rate with no market risk. Here is how the whole fixed annuity family works, including where MYGAs and fixed indexed annuities fit in.
These 5 annuity mistakes cost retirees thousands — choosing the wrong payout option, buying from a captive agent, ignoring surrender charges, and more. Here is how to avoid every single one.
Seven clear signs that an annuity belongs in your retirement plan — from no pension and market anxiety to income gaps and outliving savings — plus what to do next.
How a 1035 exchange lets you switch an old annuity or life policy for a better one without triggering taxes — rules and pitfalls.
Can you roll a 401(k) or IRA into an annuity? Here is how qualified annuity rollovers work, the tax rules, the common mistakes, and when it actually makes sense.
What annuitization means, how the insurer calculates your payment, the main payout options, and how it compares to keeping an income rider instead.
An honest comparison of guaranteed income, principal safety, and which one fits your retirement plan better.
What happens to your annuity when you die depends entirely on the payout option you chose. Here is exactly what each option means for your spouse and beneficiaries — before you buy anything.
You can buy an annuity without a broker — but should you? Here is the honest answer about going direct vs using an independent advisor, what you gain, what you lose, and what most retirees get wrong.
Annuity rates vary widely across carriers in 2026 and the difference can mean thousands in retirement income. Here is exactly how to find and compare the best annuity rates available near you today.
An annuity and a 401k both grow your retirement savings but they work very differently. Here is an honest comparison of how each works, the tradeoffs, and how they work best together in retirement.
A MYGA is a multi-year guaranteed annuity that locks in a fixed interest rate for 2 to 10 years, like a CD but with higher rates and tax deferral. Here is exactly how MYGAs work and who they are right for.
A fixed indexed annuity links your interest to a market index like the S&P 500 while protecting your principal from losses. Here is exactly how FIAs work and whether one belongs in your retirement.
Twelve questions that separate a genuinely independent annuity advisor from a salesperson, covering licensing, carrier access, compensation, surrender terms, and service after the sale.
Series 65 investment adviser, insurance-only agent, or dual licensed? How each is regulated, how each gets paid, and what the difference means when you buy an annuity.
How annuities work in 2026, the different types, how payouts are calculated, and how to decide if one belongs in your retirement plan.