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Explore Key Annuity Topics That Can Reshape Your Retirement

The right strategy can provide guaranteed income, tax advantages, and financial peace of mind—but only if you understand your options. That’s why we’ve built a dedicated library of insights to guide you. From comparing current rates and debunking common myths to exploring rescue plans, pension alternatives, and how they stack up against life insurance, our expert content is designed to help you make smarter, more confident retirement decisions.

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Current Annuity Rates

Get up-to-date interest rates on fixed and indexed annuities from top-rated carriers. Whether you’re looking for guaranteed growth, income options, or a safe place for your savings, our rate page makes it easy to compare and find the right fit for your retirement goals.

Annuities

Annuities 101

They can be powerful retirement tools—but only if you understand how they work. This beginner-friendly guide explains the basics, the different types available, and how they provide guaranteed income, principal protection, and long-term security.

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Rescue Plan

Stuck in an underperforming or outdated annuity? Our Rescue Plan helps you evaluate your current contract and explore newer options with better rates, lower fees, or improved income features. Don’t leave your money trapped—see if it’s time for a strategic upgrade.

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Common Objections

“Annuities are too expensive.” “I’ll lose access to my money.” “They’re too complicated.” Sound familiar? We tackle the most common objections head-on—so you can separate fact from fiction and decide what’s right for your situation.

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Common Annuity Myths

Many people avoid annuities based on outdated or misleading information. We break down the top myths—from “you lose your money when you die” to “they are only for the ultra-wealthy”—and show how today’s options are more flexible and transparent than ever before.

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Life Insurance Alternative

For those who want to protect loved ones or pass on a legacy—but don’t qualify for traditional life insurance—certain annuities offer powerful death benefits and tax advantages. Learn how these solutions can fill the gap when life insurance isn’t an option.

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Pension Alternative

Not everyone has access to a workplace pension—but annuities can help fill that gap. Learn how you can turn your retirement savings into a reliable, guaranteed stream of monthly income designed to last as long as you do—just like a private pension, but fully personalized.

Frequently Asked Questions About Annuities

What types of annuities are available?
There are several types including fixed annuities, indexed annuities, bonus annuities, lifetime income/MLSA, and income annuities. Each has different features: growth guarantees, income riders, cap/participation rates, and protection of principal.
How do annuity rates work?
Rates depend on the carrier, index used (if any), caps, participation/spread, the guarantee period, and rider choices. We compare offerings from 100+ carriers so you can see the best current fixed or bonus annuity rate for your situation.
Can annuities provide income like a pension?
Yes. Many annuities include income options or riders that turn your savings into guaranteed lifetime income — acting similarly to a pension, especially for those without workplace pensions.
What’s the “Rescue Plan” option?
If you’re in an underperforming or outdated annuity, the Rescue Plan helps evaluate your contract to see if switching to newer products could reduce fees, improve income features, or provide better growth.
Are annuities flexible?
Many are. Depending on the contract, some allow for withdrawals, income riders, death benefits, or adjustments to allocations. However, fees, surrender charges, and contract terms vary by product and carrier.
What are common myths about annuities?
Some myths: you’ll lose your money when you die; they only benefit the wealthy; annuities are overly complex. Our content debunks these myths and shows how modern annuity options are more flexible, transparent, and accessible.


Additional Resources
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