Why Fixed Annuities Are the Hidden Gem of Retirement Planning
When it comes to retirement planning, many people focus on stock market returns or real estate appreciation. But for those who prioritize safety, predictability, and guaranteed income, fixed annuities offer a powerful—and often underrated—solution. With competitive interest rates and zero market exposure, they can protect your nest egg while providing steady growth.
At Diversified Insurance Brokers, we help clients compare fixed annuity products from over 75 top-rated companies, ensuring you get the best rates and terms available. Many of our clients are surprised to learn that fixed annuities currently offer interest rates as high as 6.15%—with full principal protection.
Key benefits of fixed annuities include:
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Guaranteed interest rates that outperform most bank CDs
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Tax-deferred growth
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Principal protection from market downturns
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Flexible terms (1–10 years)
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Optional lifetime income riders
For conservative investors or retirees seeking predictable income, fixed annuities can be a cornerstone of a well-balanced financial plan. The key is working with an independent expert who can shop the full market—and that’s where we come in.
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FAQs: Why Fixed Annuities Are the Hidden Gem of Retirement Planning
What is a fixed annuity?
A fixed annuity is an insurance contract that pays a guaranteed interest rate for a set period of time. Your principal is protected, and returns are not tied to market performance.
Why are fixed annuities often overlooked?
Many investors focus on market-based products and overlook fixed annuities because they don’t promise high upside. However, their stability, guarantees, and predictability make them valuable for retirement planning.
How do fixed annuities protect retirement savings?
Fixed annuities protect savings by eliminating market risk. Your account value does not decline due to market volatility, making them especially useful during retirement or in the years leading up to it.
Are fixed annuities better than CDs?
In many cases, yes. Fixed annuities often offer higher interest rates than CDs, tax-deferred growth, and longer guarantee periods—without FDIC limits, though they are backed by the insurer’s financial strength.
When do fixed annuities make the most sense?
They are especially useful for conservative investors, retirees seeking predictable income, or anyone looking to protect a portion of their portfolio from market losses.
Can fixed annuities provide income?
Yes. Fixed annuities can be converted into guaranteed income streams or used as stable accumulation vehicles that later support retirement income planning.
What are the main trade-offs of fixed annuities?
The primary trade-offs are limited liquidity during the surrender period and lower upside potential compared to market-based investments.
Why do planners use fixed annuities in retirement strategies?
They are often used as a foundation for retirement income, helping cover essential expenses while allowing other assets to pursue growth.
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.
