A deferred annuity is a long-term contract with an insurance company that provides future income–often for life–in exchange for premium payments, with options like fixed, variable, and indexed types ...

A fixed deferred annuity is a deferred annuity (i.e., one in which regular annuity payments may be deferred), the value of which is represented in fixed units (U.S. Dollars) rather than variable units ...

A fixed annuity provides a guaranteed income stream. Payouts can be immediate or deferred. Drawbacks include limited upside. Annuities can help ensure your retirement savings last your entire life.

This article is part one in a series of articles, explaining the basic product features of several types of annuities. This first piece in the series focuses on traditional fixed deferred annuities.

Fixed annuities and certificates of deposit (CDs) are both low-risk savings vehicles that provide guaranteed returns, but they work in different ways. A CD locks in funds for a set period at a fixed ...

A “fixed annuity” is an annuity contract in which the value is reckoned in fixed units (in the U.S., U.S. dollars). By contrast, the value of a “variable” annuity is determined by the dollar value of ...

Although annuity sales are still seeing record highs, investor interest may eventually shift away from fixed-rate deferred annuities and towards other annuities products that have more growth ...

If you’ve received notice that your 401 (k) plan now offers annuity options, you may want to look into what these products ...

In 2025, both annuities and certificates of deposit (CDs) offer attractive, guaranteed returns, especially as interest rates are expected to drop soon. If you're looking for a safe, fixed return on ...

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The annuities business is on a tear, seeing higher sales than it has ever experienced for the second year in a row in 2023. The numbers aren't even close. Last year, individual annuities in the US ...

Laurie Sepulveda is a MarketWatch Guides team senior writer who specializes in writing about insurance, investing, personal loans, home equity loans, mortgages and banking. She lives in North Carolina ...