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Fixed Annuity

Fixed Annuity

A fixed annuity is an insurance contract that offers a guaranteed interest rate for a set period. It’s commonly used to protect principal while earning a predictable return.

Key features

  • Principal protection (subject to the claims-paying ability of the insurer)
  • Guaranteed interest rate for a defined term
  • Option to convert to income at a later date

When people use fixed annuities

  • Protecting a portion of savings from market volatility
  • Creating a conservative income bridge to retirement
  • Locking in a rate for a defined period

Next step: request a Retirement Income Analysis so we can show how a fixed annuity could fit a guaranteed income plan.

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Annuity returns & suitability are based on age

Fixed annuities are insurance products. Guarantees are based on the financial strength and claims-paying ability of the issuing insurance company. This page is for informational purposes only and does not provide tax, legal, or investment advice.