Why Fixed Annuities Are a Smart Choice in Volatile Markets
If you’re concerned about the unpredictable swings in the stock market—and how they might affect your retirement—you’re not alone. Learn why Fixed Annuities are a smart choice in volatile markets. Many pre-retirees and conservative investors are looking for safer places to grow their savings. Fixed annuities are an increasingly popular choice because they combine guaranteed interest with zero market risk. That means you can grow your money without the stress of watching it fluctuate.
Fixed annuities work by locking in an interest rate for a set period—typically between 1 and 10 years. You earn a guaranteed return on your money, tax-deferred, for the length of the contract. This makes them ideal for people who want stable, predictable growth and protection from losses. Many investors use them to diversify away from volatile assets or to protect part of their nest egg during uncertain economic cycles.
In addition to safety and growth, fixed annuities can play a vital role in creating guaranteed retirement income. Many people use them to supplement Social Security or pension income, ensuring that their basic expenses are covered regardless of what the market does.
At Diversified Insurance Brokers, we compare fixed annuity rates from over 75 top-rated carriers to help you find the most competitive offers. Whether you’re looking for short-term growth, income planning, or long-term preservation, we’ll help you find a strategy that fits your goals—without pressure.
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FAQs: Fixed Annuities
What is a fixed annuity?
A fixed annuity is an insurance contract that provides guaranteed interest growth and protects your principal from market loss. The insurer commits to a fixed rate for a set period, making it one of the safest retirement income and accumulation tools available.
How does a fixed annuity earn interest?
A fixed annuity earns interest at a guaranteed rate set by the insurance company. This rate remains consistent throughout the guarantee period, allowing predictable growth without market fluctuation.
Are fixed annuities safe?
Yes. Fixed annuities are backed by the issuing insurance company’s financial strength and regulated reserve requirements. They are designed to protect principal, deliver steady growth, and offer predictable retirement income options.
What is a MYGA fixed annuity?
A MYGA (Multi-Year Guaranteed Annuity) provides a guaranteed interest rate for a specific period, typically 3 to 10 years. It works similarly to a CD but offers tax-deferred growth and often higher guaranteed rates.
Can I lose money in a fixed annuity?
No. Fixed annuities guarantee your principal as long as the insurer remains solvent and you follow the contract terms. Even during market downturns, your value will not decline due to market performance.
Are fixed annuities tax-deferred?
Yes. Interest grows tax-deferred, meaning you only pay taxes when you withdraw funds. This allows your money to compound more efficiently over time.
Do fixed annuities have fees?
Most fixed annuities do not have annual fees. The insurer earns revenue through the interest spread, not through direct charges. Optional riders may include fees, but standard fixed annuities typically do not.
Can I access my money during the contract?
Yes. Fixed annuities generally offer penalty-free withdrawals of up to 10% per year. Additional withdrawals may be subject to surrender charges during the early years of the contract.
What happens when the guarantee period ends?
When the guarantee period ends, you may renew at a new rate, transfer your funds to another annuity, withdraw money, or roll the contract into a different strategy. Many insurers offer a renewal window with no surrender penalty.
Are fixed annuities good for retirement income?
Yes. Fixed annuities can convert savings into reliable, guaranteed lifetime income. Many retirees use them to supplement Social Security, pensions, or other conservative income streams.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
