Discover the Right Annuity to Match Your Financial Goals
Types of Annuities
Annuities are designed for people who want peace of mind without walking away from growth.
They combine insurance guarantees with market opportunities — a balance few other investments offer.
Fixed Annuities — Steady and Predictable
A contract that locks in a guaranteed rate of return for a set period, typically 3–10 years. Best for investors seeking bond-like stability with tax-deferred growth. Your principal is protected regardless of market conditions.
Example: Lock in a 5%+ fixed rate with zero market risk — ideal for retirees who want dependable income.
Fixed Indexed Annuities — Growth Linked to the Market, Without the Losses
A hybrid annuity that tracks an index like the S&P; 500® but never exposes you to market loss. You participate in a portion of index gains while the insurance company absorbs downturns. Optional riders can guarantee lifetime withdrawals.
The most popular choice today for balancing protection and opportunity.
Immediate Income Annuities — Paychecks for Life
A lump-sum annuity that starts income within 30–90 days. Designed for retirees who want predictable monthly income that lasts a lifetime.
Think of it as your personal pension — designed around your lifestyle.
Deferred Income Annuities — Plan Today, Retire with Confidence Tomorrow
Similar to immediate annuities but payments start years later, allowing growth over time. The longer you defer, the higher your guaranteed income becomes.
Variable Annuities — Market Driven with Insurance Protection
An investment-based annuity with sub-accounts similar to mutual funds. Offers higher upside potential with optional riders to safeguard against outliving income.
At Annuity World, we rarely lead with variable annuities — but for the right client, they can complement a diversified plan.