Secure the good life

Reliable Retirement Income
through Annuities


Understand the basics of annuities and see if this financial strategy fits your retirement plans.

Review the different types of annuities and determine which retirement income plan works best for you.

Receive investment advice from experts and get recommendations on suitable annuity products for your needs.


Annuity Basics

Learn how an annuity can improve your retirement outlook.

  • What is an Annuity?

    Simply put, an annuity is a financial product that’s designed to provide a lump-sum payment or a series of payouts to you on a future date. It is one of the many sources of retirement income and is definitely worth looking into.

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  • Weighing Pros and Cons

    Just like any financial product, an annuity has its own set of benefits and drawbacks. Before you decide to purchase this contract, make sure that you understand how an annuity may or may not work to your advantage.

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  • Pre-Buying Checklist

    Deciding to incorporate an annuity into your financial plan is a smart move, but before your proceed to purchasing a contract, make sure that you have ticked everything in this checklist.

    This annuity buying guidelines will help you make informed decisions on these three main categories:

    • The Agent
    • The Type of Annuity
    • The Insurer

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Types of Annuities

Annuities come in different types. To make the best choice, you need to understand what these are to know which type suits your preference, situation, and goals best.

  • Immediate vs. Deferred Annuities

    These types differ in terms of when they issue payouts. Immediate annuities, as the name suggests, can provide payments immediately after purchasing an annuity contract. Deferred annuities, on the other hand, will only begin issuing payouts at a future date.

    Typically, experts advise getting an immediate annuity if you are near retirement, while those who are younger and years away from retiring can take advantage of deferred annuities.

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  • Fixed vs. Variable Annuities

    Fixed and Variable annuities differ in the way your payouts are computed. With a fixed annuity, your money will grow according to a guaranteed rate over a period of time. Meanwhile, payouts from a variable annuity depend on how your investments or sub-accounts are performing.

    The best choice between the two will highly depend on what you want your annuity to do for you and the rest of your financial plan.

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  • With or Without Withdrawal Penalties

    These two types differ on how liquid your annuity will be. The right choice will boil down on how accessible you want your funds to be. However, you need to weigh the pros and cons of each before making a decision.

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Annuity FAQ

Submit your questions and find answers regarding annuity topics. In this section, you will find quick but essential information that will help you understand annuity-related concepts.

Annuity Blog

Read insights, news, and market trends in the annuity industry.