Frequently Asked Questions About Annuities
For your convenience, we have developed a list of the most common questions our prospective clients ask about annuities.
If you want to know more, or have a specific question, please feel free to contact us. We're happy to answer your questions.
What is an annuity?
Annuities are contracts issued by an insurance company that were originally designed to create a guaranteed stream of income. An individual provides multiple contributions or a lump sum of money in exchange for immediate or future guaranteed payments. These days, most annuities defer the guaranteed income and operate more like a growth vehicle during the deferral phase.
Should I invest in an annuity?
While annuities can be useful in very specific forms and situations, Fisher Investments generally thinks they rarely contain features that truly benefit investors. The right annuity under the right circumstances, however, could be a beneficial retirement investment. Read More.
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What is a fixed annuity?
Fixed annuities are one of the most basic types of annuities offered. These contracts provide a fixed interest rate for a declared period of time that often ranges between 3 to 10 years. Read More.
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What is a variable annuity?
Variable annuities fluctuate in value based on an underlying portfolio of securities.
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What is an indexed annuity?
Indexed annuities offer the potential to earn interest based off a market index. These contracts have no downside market volatility but apply limitations on potential gains.
Whatβs the difference between an immediate annuity and a deferred annuity?
The main differences between immediate and deferred annuities are the timing of guaranteed income, liquidity and flexibility. Immediate annuities start the guaranteed payments within 12 months and lose access to the cash value. Read More.
What is an annuity rider?
A rider is an additional feature added to an annuity contract. While riders may offer additional flexibility or security, the benefits come with added fees and risks. Read More.
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