Annuity Types

Every annuity, decoded.

Six core categories. One clear page each. Read them in order, or jump to the type your advisor mentioned.

Principal protection plus a share of index gains. Cap rate, participation rate, and floor explained.

Locked rate for a fixed term. The retirement equivalent of a CD with tax deferral.

Lump sum to immediate guaranteed monthly income.

Pay today, collect a higher income later. Longevity insurance.

Subaccounts tied to market performance with optional income riders.

Defer IRA income past 73 to reduce required minimum distributions.

Not sure which type fits?

Take Annuities 101 first. Twenty minutes of reading saves you from buying the wrong product.