Annuity Types
Every annuity, decoded.
Six core categories. One clear page each. Read them in order, or jump to the type your advisor mentioned.
Type 01
Fixed Indexed Annuities (FIA)
Principal protection plus a share of index gains. Cap rate, participation rate, and floor explained.
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Type 02
Multi-Year Guaranteed (MYGA)
Locked rate for a fixed term. The retirement equivalent of a CD with tax deferral.
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Type 03
Single Premium Immediate (SPIA)
Lump sum to immediate guaranteed monthly income.
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Type 04
Deferred Income Annuities (DIA)
Pay today, collect a higher income later. Longevity insurance.
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Type 05
Variable Annuities
Subaccounts tied to market performance with optional income riders.
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Type 06
Qualified Longevity (QLAC)
Defer IRA income past 73 to reduce required minimum distributions.
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