Annuity Guys®

Annuity Rates, Features & Ratings: America's trusted annuity resource. Compare best options for hybrid, index, fixed, variable & immediate annuity quotes.


Helping You Create Great Results Your Retirement Deserves!



(217)753-1515
  • Home
  • About Us
    • About Us
    • Contact Us
    • Site Terms & Disclosure
    • Privacy Policy
  • FAQs
    • Most Frequently Asked Annuity Questions
  • All Annuity Guys Videos
  • Annuity Types
    • Best Annuity Reviews
    • Market Free™ Annuities
    • Choosing an Annuity
    • Deferred Annuities
    • Hybrid Annuity Choices
      • Hybrid Annuity Pros&Cons
      • Hybrid Income Riders
      • Hybrid Annuity Guarantees & Strategies
    • Fixed Annuity Choices
      • Fixed Annuity Performance
      • Better Fixed Annuities
      • Fixed Deferred Annuities
      • Fixed Rate Annuities
      • Fixed Annuity Alternatives
      • Fixed Annuity Pros & Cons
      • Fixed Annuity Negatives
    • Index Annuity Choices
      • Fixed Index Annuity Features
      • Fixed Index Annuity Performance
      • Better Fixed Index Annuities
      • Fixed Index Annuity Alternatives
      • Fixed Index Annuity Pros & Cons
      • Fixed Index Annuity History
      • Fixed Index Annuity Negatives
    • Immediate Annuities
      • Immediate Variable Annuity
      • Immediate Fixed Annuities
    • Variable Annuities
      • Variable Annuity Features
      • Better Variable Annuities
      • Variable Annuities Disadvantages
      • Variable Annuity Alternatives
      • Variable Annuity Negatives
      • Variable Annuity Performance
    • Pre-Issued Annuities™
      • Hybrid Annuities versus Pre-Issued Annuities ™
    • Annuity Glossary
  • Articles
    • How Do MarketFree™ Annuities Work?
    • Are Annuities Safe?
    • Living Benefits
    • FIA Performance
    • Beware of FIAs?
    • Annuities & Retirement
    • Annuities & Estate Tax
    • Rollovers & Annuities
    • Annuities & Tax
    • Charity & Annuities
    • The Lost Decade
    • Best Annuity Videos
    • Social Security Benefits
  • Calculators
    • Retirement Planning Calculator — Basic
    • Retirement Shortfall Calculator — Basic
    • Immediate Annuity Calculator & Quotes
    • Fixed Index Annuity Calculator & Fixed Annuity Calculator
    • Variable Annuity Calculator & Hybrid Annuity Calculator
  • Blog
    • Annuity Guys® Weekly Annuity Video Blogs
  • Get Annuity Guys Help
    • Request Annuity Guys’ Planning Help Today
You are here: Home / Annuity Types / Immediate Annuities Safe Income / Immediate Variable Annuity

Immediate Variable Annuity

Today's Top Ten Fixed Annuity Rates (MYGA)

ALL rates are continually subject to change and accuracy is never guaranteed since rates and features change frequently. Rates are provided for conceptual and educational purposes only. RATES SHOWN ARE NOT A SOLICITATION.
 
 
immediate annuity, you should consider whether you would like to have a higher potential income hedge against inflation without a **guarantee where the income could actually decrease (case for a variable immediate annuity) – or – if you would prefer a **guaranteed payout that may not have the same potential to grow as the variable annuity#; however, it will never decrease and it can also be graded for inflation, meaning that the income will start lower than a straight level immediate payout and increase by a set percentage each year over time.
 

**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. During this segment, Dick and Eric are referring to Fixed Annuities unless otherwise specified.

Review 3-Best Retirement Annuities for Your
GROWTH, INCOME & SAFETY!

If you are a not a conservative investor and you embrace risk, an immediate variable annuity# may give you the inflation hedge you are looking for. Unfortunately, the last 10 to 12 years have not gone well for these annuities. In many cases, income payouts somewhat decreased.

On the other hand, if you are conservative and not much of a risk-oriented investor, an immediate fixed annuity may give you the safety and income you are looking for. Compared to immediate variable annuities#, the last 10 to 12 years have gone very well and they have proven to be safe, secure and financially viable.

Immediate annuities have been challenged recently by the introduction of the new living benefit riders available on many deferred annuities. They allow a lifetime income payout **guarantee, and, if the insured dies prematurely, the unspent account balance is paid out to the heirs instead of being paid to the insurance company. This innovative approach to that cannot be outlived has been well received and is being incorporated into main stream retirement planning on a large scale. It is actually in all practicality, a self-directed personal pension. Many deferred annuities now offer both options of an income rider or annuitization.

With a lifetime immediate annuity, the insurance institution risks that you may outlive your statistical life expectancy – forcing them to payout more than they received originally, including their investment earnings on the money they collected for the immediate annuity. The purchaser of the immediate annuity risks dying early and losing the hoped for benefit of a long term income stream. Since insurance companies primarily manage risk, they know that statistically they are likely to come out ahead financially by spreading their risk over large numbers. As the insured you also have an advantage since immediate annuities can be purchased without answering underwriting questions concerning your personal health and family longevity. You may know that the odds are in your favor to live much longer than the insurance company would have ever expected. Touche, you win! If you want some type of a **guarantee in case you croak early – known as period or term certain – it will lower your payout. It is also possible to have a lower initial income with an inflation-adjusted increasing payout **guaranteeing more income on the future payments.

Immediate Variable Annuity Characteristics

  • Can be purchased in lump sum payments
  • Variable immediate annuities are typically invested in the securities market and the purchaser assumes the market risk
  • A portion of a non-qualified immediate variable annuity# is tax-excluded; this is considered the immediate annuity exclusion ratio
  • All income from a qualified immediate variable annuity# is taxable (IRA, 403 B)
  • Less predictable retirement income compared to immediate fixed annuities
  • The longer the term, the lower the income payout
  • Younger people get lower payouts
  • Payout normally begins within 30 days to one year of purchase
  • Immediate variable annuities# are first **guaranteed by the claims paying ability of the insurer. The underlying invested assets are owned by the client and are not at risk if the insurer defaults
  • Immediate variable annuities# are creditor-protected in most states.
  • Check out our deferred variable annuity# calculator

The two categories of annuities, fixed and variable – with their variations of immediate or deferred – each serve a particular purpose. It is important to look at your age, size of assets, future income needs and inflation and then do a cash flow analysis over your life expectancy during retirement. This will help you choose which annuity is right for you. Financial planner/educators can be valuable when you are close to making a decision on an annuity. Avoid insurance salesman that are just pushing their higher commission products. There is typically no cost to you when using a licensed planner or insurance agent. So it is always in your best interest to use an experienced planner/educator to avoid irreversible retirement mistakes. State laws all require annuity purchases to be made through a licensed planner or insurance agent.

Question: Who might consider purchasing a variable immediate annuity?

Answer: Typically some one that wants a potentially inflation-hedged income and can afford the risk of their income declining if the market performs poorly.

346
SHARES
ShareTweetGoogleLinkedinPinterestSkypeStumbleuponTumblrDeliciousDiggRedditMail

 

Empowering Annuity Reference Book

 
DOWN-LOAD NOW - FREE!
  • Annuity Guys Reference Book - 250 pages of Annuity Facts

  • "The New Retirement"
    Annuity Reference Book 
    Free Instant Download
  • Confidential - Easy Opt Out
  • This field is for validation purposes and should be left unchanged.

 

  • Hybrid Annuities have too many moving parts… Says Who?

    Hybrid Annuities have too many moving parts… Says Who?

    What makes a Hybrid Annuity different from a Fixed Annuity? Answer: index strategies, an income rider, and the contractual **guarantees associated …Read More »
  • Can Annuities Save Your Assets?

    Can Annuities Save Your Assets?

    There is an old saying that goes – “there is nothing **guaranteed in this life other than death, annuities and …Read More »
  • What are Hybrid Annuities?

    What are Hybrid Annuities?

    Hybrid annuities, also referred to as hybrid income annuities, are essentially a type of annuity contract that allows the account …Read More »

Revealing Fun Video: Fiduciary Advisors Vs. Annuity Salesmen
MUST KNOW FACTS 90% of
ANNUITY ADVISORS AVOID TELLING!
  • *FIDUCIARY RETIREMENT REVIEWS
    Second Opinions Improve Retirements
     
    "For Your Retirement's Success"
     Choose a *Fiduciary Advisor who gives you Full Disclosure of Cost & Selection.
     
    Material Fact 1:
      About 90% of advisors ARE NOT REQUIRED by law to do what is best for their clients!
     
    Material Fact 2:
     Fiduciary Advisors ARE REQUIRED by law to do what's best for their clients! 
     
      Hence, clients of a fiduciary can know that their advisor chose the highest legal standard required by law to work strictly for their highest good.
     
     We estimate Fiduciaries are less than 10% of total U.S. financial service providers. Fiduciaries are held to the highest client legal standard of financial planning and investment advice.
     
     The other 90% are sales oriented advisors, brokers, bank reps, registered reps. & insurance agents, selling products on a much lower suitability legal standard, not necessarily what's best for their client!
     
       Fiduciaries also must disclose conflicts of interest that could potentially bias their advice, such as; selling products that pay them higher commissions having higher fees or costs, and their lack of investment product access limiting their client's opportunities, to name a few.
     
    Choosing your advisor can have
    "The Largest Single Impact on
    Your Retirement's Success or Failure"


  • Stocks, Bonds and Annuities – How Much in Each?

    Stocks, Bonds and Annuities – How Much in Each?

    Remember making decisions this way, growing up, eeny, meeny, miny, moe, this may have been a helpful rhyme for making …Read More »
  • Five Early Annuity Surrender Options

    Five Early Annuity Surrender Options

    There may be 50 ways to leave your lover, sings Paul Simon! And, there are at least five ways to …Read More »
  • Annuity Rates, Caps and Fees

    Annuity Rates, Caps and Fees

    “What are your best annuity rates?” This is how about 50% of our phone calls from website visitors start out after they visited AnnuityGuys.org .As independent advisors, fortunately, …Read More »
  • Long Term Care – Annuity and Life Insurance Solutions

    Long Term Care – Annuity and Life Insurance Solutions

    Long-term care, growth, and wealth transfer are built into many of today’s annuities and life insurance products, this is sometimes achieved …Read More »
  • “I Hate Annuities” “Secret Annuity Strategy”<br>Internet & TV Gimmicks!

    “I Hate Annuities” “Secret Annuity Strategy”<br>Internet & TV Gimmicks!

    Negative statements and hyperbole inherently make strong headlines, grabbing our attention! The financial industry is very guilty of using this …Read More »
  • Annuities vs (IUL) Indexed Universal Life – How do they compare?

    Annuities vs (IUL) Indexed Universal Life – How do they compare?

    What are the differences between a hybrid index annuity and an (IUL) index universal life policy? Wow! Steve, we thought we …Read More »
  • Choosing Annuity Specialists, Local or National? Which are Best?

    Choosing Annuity Specialists, Local or National? Which are Best?

    There has been a huge shift of folks leaving local brokers and advisors to find better investment options online with …Read More »
  • Are Annuities Best in a Difficult Economy?

    Are Annuities Best in a Difficult Economy?

    Dick and Eric reflect on a email they received this week highlighting a Tony Robbins video (see below) on the …Read More »

View Our Newest Videos! Subscribe Now
  • Annuity Guys Videos - Annuity Answers
  • New Annuity Guys Videos
    Our Entertaining & Informative
     Saturday Morning Video Blog
  • Timely Retirement & Annuity Issues - Easy Opt Out
  • This field is for validation purposes and should be left unchanged.


  • Should You Buy Annuities in our Trump Influenced Bull Market?

    Should You Buy Annuities in our Trump Influenced Bull Market?

    What would Trump do? Do you think he might be the type to buy low & sell high? This sounds …Read More »
  • Annuity Timing – Jump in or Wait?

    Annuity Timing – Jump in or Wait?

    Annuity Guys®, Dick and Eric examine the question on the mind of many people when comes to selecting an annuity …Read More »
  • 1035 Exchange – Replacing an Annuity

    1035 Exchange – Replacing an Annuity

    Keeping the taxman at bay may seem next to impossible these days, however with annuities the IRS/Congress blessed us with …Read More »
  • Market Volatility is Back! Are MarketFree™ Annuities an Answer?

    Market Volatility is Back! Are MarketFree™ Annuities an Answer?

    Timing is everything. Unfortunately, 99 percent people who say they are only in the stock market when it is going up …Read More »
  • Trust the stock market or hedge with annuities?

    Trust the stock market or hedge with annuities?

    Are you aware that the greatest number of consecutive days the Dow has ended with a gain is only 13? Since 1950 …Read More »
  • How Do Index Annuities Pay Higher Interest?

    How Do Index Annuities Pay Higher Interest?

    Okay, what’s the catch? How is it possible that a fixed index annuity (FIA) can eliminate market risk and earn higher interest than standard fixed annuities …Read More »
  • Annuities versus Securities

    Annuities versus Securities

    When you build a house, you don’t start with the roof – you start with the foundation. For many retirees annuities help …Read More »
  • Annuity Income & Growth to Maintain Principal

    Annuity Income & Growth to Maintain Principal

    Do you remember the first time you heard about annuities? It might have been in a nice restaurant hearing a presentation …Read More »
Get Newly Released Annuity Guys® Videos on Saturday Mornings
  • Annuity Guys Videos - Annuity Answers
  • New Annuity Guys Videos
    Our Entertaining & Informative
     Saturday Morning Video Blog
  • Timely Retirement & Annuity Issues - Easy Opt Out
  • This field is for validation purposes and should be left unchanged.


  • Can Index Annuities be a Good Hedge Against Inflation?

    Can Index Annuities be a Good Hedge Against Inflation?

    Are our Golden Years in danger, with the new high inflation issues that may be here to stay? The years …Read More »
  • Is an Old Variable Annuity Better than a New Hybrid?

    Is an Old Variable Annuity Better than a New Hybrid?

    “Don’t buy an annuity! The **guarantees they offer are often unnecessary and costly.” – has turned into “that annuity sure …Read More »
  • Beat the Tax-Man Fair & Square with Annuities!

    Beat the Tax-Man Fair & Square with Annuities!

    Pay Less Tax with Annuities – Legally!Here is our list of seven advantages you should know so annuities can help you avoid …Read More »
  • Are Annuities the Best Answer to High Retirement Costs?

    Are Annuities the Best Answer to High Retirement Costs?

    The closer you are to retiring, the easier it is predicting how much income you will need in retirement to be comfortable and enjoy the …Read More »
  • Stocks, Bonds and Annuities – How Much in Each?

    Stocks, Bonds and Annuities – How Much in Each?

    Remember making decisions this way, growing up, eeny, meeny, miny, moe, this may have been a helpful rhyme for making …Read More »
  • Annuity Fees – The Nasty Truth

    Annuity Fees – The Nasty Truth

    The conventional press has maligned annuities for years due to high fees and surrender charges, as well they should… when …Read More »
  • Are Annuities a Viable Option – As Markets Soar?

    Are Annuities a Viable Option – As Markets Soar?

    The running of the bulls in Pamplona, Spain each July provides for amazing images as young men run alongside the massive …Read More »
  • Annuity Diversification – What Amount Per Company?

    Annuity Diversification – What Amount Per Company?

    You may have invested, scrimped, and saved most of your life for just this moment. Yes, you are ready to …Read More »
  • Annuities Make Life Better for Retirees – Study Reports

    Annuities Make Life Better for Retirees – Study Reports

    Would you rather be happy and optimistic in retirement or worried about spending too much? We know it sounds like …Read More »
  • Long Term Care – Annuity and Life Insurance Solutions

    Long Term Care – Annuity and Life Insurance Solutions

    Long-term care, growth, and wealth transfer are built into many of today’s annuities and life insurance products, this is sometimes achieved …Read More »

 

Empowering Annuity Reference Book

 
Start Reading Now - Instant Download
  • Annuity Guys Reference Book - 250 pages of Annuity Facts

  • "The New Retirement"
    Annuity Reference Book 
    Free Instant Download
  • Confidential - Easy Opt Out
  • This field is for validation purposes and should be left unchanged.

 
Comprehensive Site Terms and Disclosure | Privacy Policy | Copyright © 2025 Annuity Guys®


  ** 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.


346 SHARES