What is an annuity

An annuity is a long-term contract between you and an insurance company. You put some of your savings into the annuity, and the insurance company promises to provide you with an income stream that can last for life.

How it works

An annuity allows assets to grow tax deferred. This means earnings are not taxed until you withdraw them, so you can save more while you’re still working and enjoy guaranteed income for life when you retire.

Index annuities

Protect your principal from market downturns, earn potential interest based partly on the returns of an index and guarantee income for life.

Variable annuities

Invest for growth opportunities while providing for your beneficiaries and securing income you can’t outlive.

Fixed annuities

Guarantee growth at a fixed rate with no market risk and protected income for life.

For Registered Investment Advisors

Manage risk and potentially improve retirement outcomes with innovative advisory solutions that move beyond traditional portfolio construction strategies.