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Annuity Guide cover

Types of Annuities

There are several types of annuities available, each designed to meet specific retirement and investment needs. Below is a brief summary of the most common annuity categories.

  • Immediate annuity

    These programs begin paying an income stream to the policy owner immediately after purchase.

  • Annuity Guide  chapter 2

    Multi-Year Guaranteed Annuity

    Commonly referred to as MYGA's, which offer a fix rate of return and a lump sum payment after the contract term (typically 3-10 years).

  • Annuity Guide  chapter 3

    Deferred Annuity

    Flexible interest rate with delayed income, installment or lump-sum payments until the investor elects to receive them.

  • Annuity Guide  chapter 4

    Fixed Indexed Annuity

    Deferred growth annuity with the interest rate tied to an index. Income or lump sum payments available.