Annuities overview Considering a new annuity Reviewing an existing annuity Annuities.Start with your questions. An annuity is a long-term insurance contract. Whether you are exploring one for the first time or taking a fresh look at a contract you own, begin with what you want your money to do.
Find your starting point Make room for the life you’re planning. Two different starting points.One clearer next step. Start with the path that fits you today.
Considering anew annuity? Explore how a portion of your retirement savings could serve your growth, income, or family goals.
Start with five retirement questions and an annuity-focused Retirement Options Report review.
Explore new annuity options Already ownan annuity? Check whether the contract you bought still fits the life and retirement you are planning today.
Use the five-point checklist to review goals, beneficiaries, growth, income, and your insurer.
Review my existing annuity Understand the contract.Then consider the fit. Name the job you want your money to do and the alternatives you want to understand. An annuity is not automatically the answer. Ask about fees, withdrawal restrictions, surrender charges, optional features, and which values are guaranteed versus illustrated. Consider the money you need accessible and how a contract would connect with your other income, savings, and family priorities. Good questions.Before any decision. You do not need a product name to begin.
What need would this contract address? What would I pay, and when could I access my money? Who stands behind the promises? What alternatives and trade-offs should I compare? If I already own one, what could I give up by changing it? Keep the bigger picture in view. For education and conversation preparation, not a recommendation to buy, sell, or replace an annuity. Contract features, risks, and costs vary; guarantees depend on the issuing insurer. Review your circumstances with appropriately qualified professionals.
Learn about annuities at Investor.gov · Our disclosures
