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You are here: Home / Annuity Types / Online Annuity Rates and Annuity Quotes May 2025 / Fixed Annuity Features

Fixed Annuity Features

 Fixed Annuity Retirement Advantages

With so many retirees experiencing so much uncertainty in today’s volatile economic environment, it is important to know that a fixed annuity offers secure retirement options not found in CDs, money markets, mutual fund^s, stocks, bonds and other securities.

Fixed Annuity Benefits

  • Safety: Backed by highly rated state regulated insurers
  • Tax Deferral: Tax-deferred growth
  • Higher Return: Better interest rates typically than CDs
  • Life Insurance: Death payout **guarantee options
  • Liquidity: Flexible withdrawal privileges
  • Unlimited Contributions, unlike IRAs and 401(k)s
  • Inheritance: Pass money directly to heirs by passing probate
  • Lifetime Option: Income you can’t outlive (Annuitization or a Living Benefit Rider)
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Fixed Annuity Characteristics

  • Lump-sum or periodic contributions
  • Invested in mostly high quality A-AAA bonds
  • No risk to client. Insurance company assumes all risk
  • Guaranteed interest
  • Modest growth
  • 2% to 6% interest crediting possible
  • 1- to 15-year term
  • Predictable, simple
  • Guaranteed retirement income
  • No annual fees

Find out how to pick the right annuity...

Fixed Annuity Features Summary

All deferred fixed anuities have no income tax requirement on interest earnings until withdrawal. This is a definite advantage over many investments like CDs, mutual fund^s, stocks and bonds when considering a long term retirement investment. A long term fixed annuity investment may out perform CDs, bonds and treasuries. Reinvesting money that would otherwise be paid out in tax over an extended period of years is always an advantage. In addition, fixed annuities have several benefits that may be important for retirement planning.

Question:Who regulates fixed annuities and life insurance companies?

Answer: Each state regulates the insurance industry transacting business in their respective state. For the most part, each state conforms to a uniform code of regulation that is mostly the same from state to state.

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  ** Guarantees, including optional benefits, are backed by the claims-paying ability of the issuer, and may contain limitations, including surrender charges, which may affect policy values. Annuities are not FDIC insured and it is possible to lose money.
Annuities are insurance products that require a premium to be paid for purchase.
Annuities do not accept or receive deposits and are not to be confused with bank issued financial instruments.
During all video segments, Dick and Eric are referring to Fixed Annuities unless otherwise specified.


  *Retirement Planning and annuity purchase assistance may be provided by Eric Judy or by referral to a recommended, experienced, Fiduciary Investment Advisor in helping Annuity Guys website visitors. Dick Van Dyke semi-retired from his Investment Advisory Practice in 2012 and now focuses on this educational Annuity Guys Website. He still maintains his insurance license in good standing and assists his current clients.
Annuity Guys' vetted and recommended Fiduciary Financial Planners are required to be properly licensed in assisting clients with their annuity and retirement planning needs. (Due diligence as a client is still always necessary when working with any advisor to check their current standing.)



  # Investors should consider the investment objectives, risks, charges and expenses of a variable annuity and its underlying investment options. The current prospectus and underlying prospectuses, which are contained in the same document, provide this and other important information. Please contact an Investment Professional or the issuing Company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money.


  ^ Investors should consider investment objectives, risk, charges, and expenses carefully before investing. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.


  ^ Eric Judy offers advisory services through Client One Securities, LLC an Investment Advisor. Annuity Guys Ltd. and Client One Securities, LLC are not affiliated.


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