Complete Information on Fixed, Immediate, and Indexed Annuities provides comprehensive annuity information on immediate, indexed, and fixed annuities to help you choose the type that meets your needs. We also provide annuity guides, quotes, and a free personalized annuity report for a more detailed comparison of the different types of annuities suited for your specific needs. The annuity calculator options we provide can compute important investment values and help you determine the best way to reach your financial goals. Whether you wish to determine the amount of money you need to save to enjoy a comfortable retirement, or you want to find out how tax deferrals can affect the growth of your annuities, our annuity calculator options can compute for the annuity rates and values you need.

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Fixed Annuities: The Basics

What is an annuity?

Fixed annuities are investment vehicles which are typically sold through insurance agents, financial planners or banks. Many institutions offer different fixed annuity rates, and there are several variations and countless types of annuities to choose from, however they all share these common traits:
Tax Deferred Growth: The taxes on the growth of an annuity are deferred. This in essence gives you a better rate of return than some other investment products, because the income that you would have paid in taxes is still working for you.

Principal Guarantees: The safety offered with fixed annuities is perhaps the most important feature to most consumers. As long as you follow the contract rules, and the insurance company remains in good standing, the fund put into an annuity are never at risk.

Fixed, Competitive Interest Rates: Typically speaking, fixed annuities usually offer a higher interest rate than similar products, such as a bank CD or a money market account.

Additional Annuity Information

Types of Fixed Annuities

Traditional Fixed Annuity

The traditional fixed annuity is structured very similarly to a bank CD (certificate of deposit). The premium grows at a guaranteed fixed interest rate for a set amount of time. The length of the contract can range anywhere from one year, to as long as 15 years.

Fixed Indexed Annuities / Equity Indexed Annuities

Fixed Indexed Annuities, also referred to as Equity Indexed Annuities, provide the same principal guarantees of a traditional fixed annuity, however the rate of return is based on the performance of an index, such as the S&P 500. The insurance company will credit the account with a portion of the indexes upside growth, while offering protection against downturns in the market.


Immediate Annuities convert a lump sum amount of money into guaranteed income to the annuitant as soon as the annuity is purchased. The annuitant may choose from a lifetime income stream, which provided the income for life, or a set time frame (usually 5, 10 or 20 years).

Common Annuity Terms:

Surrender Charge

The surrender charge of an annuity is the penalty or fee applied to the account if it canceled early. The most common structure is a decreasing surrender charge, where each year the surrender charge becomes smaller, until it is gone completely by the end of the contract length.

Premium Bonus

Premium bonus is a term used to describe a feature found on many annuities, in which the insurance company essentially adds 'extra' money to the account during the first year. The bonus can be in the form of a higher first year interest rate, or a partial premium match by the insurance company.

For additional annuity information, or to learn more about investment and annuity rates for fixed, immediate, and indexed annuities, use any of our annuity calculator options or request for a free, personalized report. You may also learn more about annuities here.

About Us

About Us is a free resource for researching and comparing fixed annuities.

Our goal is to help you better understand both the pros and cons of annuity products and to streamline your insurance shopping experience. Our Free Quotes will provide you with a more personalized comparison of the types of annuities available. They are designed to give you a more clear view of your investment options and help you decide if an annuity is right for you. We strive to provide expert advise and resources so you can shop smarter, faster, and more conveniently.

Annuity Questionnaire

All Things Annuity was a great resource when I was shopping for an annuity A few months before I retired, I began looking at options for my 401k. I had heard about annuities but my understanding of them was pretty limited. not only provided me with the knowledge I needed, but also connected me with a very friendly and professional financial planner, who was only a few miles from my home. I would definitely recommend this site to anyone considering an annuity.
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(Chicago, Il)

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