Annuity Guides and Resources
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An annuity is a financial contract between an individual or group and a financial institution, usually a life insurance company. There are many different annuity products
available in the United States and all have slightly different features. However, all of them include the feature of a guaranteed income distribution over many years,
generally until the death of the beneficiary.
Because there are so many different types of annuities available to investors, understanding the features of each one can be very confusing. For example, what is the
difference between a deferred annuity and an immediate annuity? What are the variations of these annuity types? What are the taxation benefits associated with each type
of annuity? What are the risks?
To help answer these questions, we have provided a section on the types of annuities that are
currently available in the United States. Included in this section are detailed articles describing many types of annuites, including deferred, immediate, equity indexed,
fixed period, flexible premium, joint, last survivor, lifetime, multi payment and single payment, qualified and non-qualified, pension, tax-sheltered, term certain, and
variable.
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