Annuities FAQs

Q. What is an annuity?
A contract from an insurance company that individuals generally use to accumulate money for their retirement on a tax-deferred basis and that guarantees a fixed or variable payment to the annuitant at some future time. The guarantee associated with annuities are based on the claims paying ability of the issuer.

Q. What is a deferred annuity?
An annuity you purchase either with a single sum or with periodic payments to help save for retirement. Earnings in a deferred annuity are not treated as taxable income until they are withdrawn. Withdrawals may be subject to regular income tax, and if made prior to age 59½, may be subject to a 10% IRS penalty. In addition, company imposed surrender charges may apply. The policy owner can choose the point at which he or she can convert the accumulated principal and any earnings in the contract to a stream of income.

Q.What are the different types of deferred annuities?
The two most common deferred annuities are fixed annuities and variable annuities.

Q. What is a variable deferred annuity?
An annuity under which a portion of the policy’s premium maybe invested in a variety of investment divisions. The amounts allocated to the Investment Divisions will fluctuate in value based on the performance of underlying investments. Assets allocated to the Investment Divisions are subject to market risk.

Q. What is a fixed deferred annuity?
An annuity where the individual knows what the current and guaranteed interests rates are and when the interest will be credited to the funds in the annuity. Rates are usually guaranteed for a specified time period. After the specified time period, the policy will generally receive a new interest rate every year equal to the standard rate being credited by the issuing company at that time.

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