Turn retirement savings into a paycheck for life.
An annuity is a contract with an insurance company: you hand over a sum of money and the carrier either grows it tax-deferred or pays it back as income, including income you cannot outlive. Julieann compares fixed and fixed indexed annuities and explains the surrender period before you sign.
Compare annuity options for your savings
Answer three questions and Julieann comes back with contracts that fit your timeline.
- ✓ Same-day response
- ✓ No cost and no obligation
- ✓ Surrender periods explained
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Nothing on this page is a quote or an offer of insurance. Coverage, pricing and eligibility depend on the carrier, underwriting and your state.
Know the surrender period before you sign
Most annuities charge a surrender fee if you take out more than a set amount during the first several years. Money you might need soon belongs somewhere else.
Julieann asks how much of your savings you could leave untouched for the full surrender period, and only shows you contracts that fit that answer.
Fixed or fixed indexed
A fixed annuity pays a set interest rate for a set period. A fixed indexed annuity credits interest based on a market index, up to a cap, and protects your principal when the index falls.
Other retirement planning coverage
Long-Term Care Insurance
Pays for help with daily living at home, in assisted living or in a nursing home, care that Medicare does not cover long term.
- ✓ Covers in-home care and facility care
- ✓ Protects savings from care costs
- ✓ Hybrid life and care options available
Indexed Universal Life (IUL)
Permanent life insurance whose cash value earns interest based on a market index, with a floor that protects it from index losses.
- ✓ Cash value tied to an index like the S&P 500
- ✓ A floor so an index drop does not lower your credit
- ✓ Flexible premiums within limits
Whole Life Insurance
Coverage that lasts as long as you pay the premium, with a guaranteed cash value that grows each year.
- ✓ Premium is fixed for life
- ✓ Cash value you can borrow against
- ✓ No term that runs out
Annuity questions
Can I lose money in a fixed or indexed annuity?
What happens to my annuity when I die?
See what income your savings could produce
Julieann compares contracts and explains every fee. She responds the same day.