Set, predictable interest rate for the term of the contract.
Fixed Annuity
What is a Fixed Annuity?
A Fixed Annuity is a conservative, low-volatility vehicle that functions similarly to a CD but with tax-deferred growth. It offers a fixed interest rate for a defined period, with principal protection regardless of market conditions.
Fixed Annuities may be a fit for conservative savers or retirees who prioritize safety and predictability — a reliable way to preserve capital while building toward a future income stream.
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Principal protection from market volatility, subject to carrier terms.
Why consider a Fixed Annuity?
A Fixed Annuity may be a fit for clients who want simplicity, predictability, and zero direct market exposure on a portion of their retirement assets.
Built for predictability
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Your interest rate is set in the contract — you know exactly what you're earning.
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Principal is protected from market losses, subject to carrier and contract terms.
Built for retirement income
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Earnings grow tax-deferred — you don't pay taxes until you start withdrawals.
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Option to convert balance into income — including options designed to last for life.
Designed for the most conservative part of your plan
A Fixed Annuity is often the simplest choice in the annuity family. There's no index, no participation rate, no surprises — just a fixed rate, principal protection, and tax-deferred growth.
Fixed Interest Rate
Principal Protection
Tax-Deferred Growth
FIXED ANNUITY
Designed for the most conservative part of your plan
A Fixed Annuity is often the simplest choice in the annuity family. There's no index, no participation rate, no surprises — just a fixed rate, principal protection, and tax-deferred growth.
Fixed Interest Rate
Your money earns a set, predictable rate of return for the duration of the contract.
Principal Protection
Your initial deposit is protected from market fluctuations, subject to carrier terms.
Tax-Deferred Growth
Compound earnings without paying taxes until you begin withdrawals — typically in retirement.
FIXED ANNUITY
A 'set it and forget it' tool
Fixed Annuities are designed to be straightforward. You commit a deposit, choose a term, and let it grow at a predictable rate — without watching markets or managing rebalancing.
Stable Income Options
At the end of the contract, you may convert the balance into a stream of income — including options designed to continue for life.
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Income may be structured for a fixed period or for life.
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Lifetime income options are designed to continue regardless of how long you live.
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Specific income amounts depend on age, contract terms, and current rates.
Simplified Retirement Planning
Fixed Annuities remove the day-to-day complexity of market watching — making them a fit for the conservative portion of a retirement plan.
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No need to monitor index performance or adjust allocations.
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Predictable contribution to your retirement income picture.
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Often used as the 'safe money' anchor in a diversified retirement portfolio.
FIXED ANNUITY
Is a Fixed Annuity right for you?
A Fixed Annuity may be a fit if you want a portion of your assets to grow predictably, with no market exposure and no surprises. It's often the simplest choice in the annuity family.
Simplicity is the point
There's no index, no caps, no participation rates — just a fixed rate for a defined period. If your goal is predictability without optimization, a Fixed Annuity may be the right tool.
Often paired with other products
Many clients use Fixed Annuities as the 'safe money' anchor of a broader retirement plan — paired with FIAs, MYGAs, or market-exposed investments to balance overall risk and growth.
Carrier-specific terms
Rates, surrender periods, free-withdrawal provisions, and income options vary by carrier. We help you compare to find the best fit.
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FIXED ANNUITY FAQS
Frequently asked questions
How is a Fixed Annuity different from a MYGA?
A MYGA is a type of Fixed Annuity that locks in a specific rate for a defined multi-year term. Some Fixed Annuities offer a guaranteed initial rate followed by renewable rates after — the structure varies by carrier. We'll show you both options so you can compare.
How is a Fixed Annuity different from a CD?
Both offer fixed rates and principal protection. Key differences: Fixed Annuities are issued by insurance carriers (not banks); interest grows tax-deferred; many include income-stream options at maturity; surrender periods may apply.
Can I lose money in a Fixed Annuity?
Your principal is protected from market losses by the contract, subject to the carrier's claims-paying ability. Withdrawing during a surrender period may incur a surrender charge that reduces what you receive.
How do I fund a Fixed Annuity?
You can fund with qualified money (rollovers from 401(k) or IRA) or non-qualified money (cash, savings, sale proceeds). We'll walk you through the most tax-efficient approach.
When can I access my money?
Most Fixed Annuities allow penalty-free withdrawal of accumulated interest annually — typically up to 10%. Larger withdrawals during the surrender period may incur a surrender charge. Specific terms vary by carrier and contract.
Are Fixed Annuities FDIC-insured?
No. Fixed Annuities are backed by the issuing insurance carrier's claims-paying ability and, in most states, by a state guaranty association up to certain limits. We help you compare both rates and carrier financial strength.
