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Steady income for the rest of your life.

When you retire, your regular paycheck may retire as well. An annuity can help fill the gaps in your retirement by providing you with regular income payments, in some cases for rest of your life. And who doesn’t want a paycheck for life?

What are annuities?

Annuities offer us a way to invest while having additional layers of protection. Since many Americans are concerned with outliving their retirement funds, monthly income planning is one of the most important steps in creating the retirement lifestyle you deserve.

Tax benefits

Any growth within your annuity is tax-deferred until you withdraw it - similar to any retirement account. Annuity payments from a tax-qualified plan will be fully taxable as ordinary income. Withdrawals made prior to age 59 1/2 may be subject to an additional 10% IRS tax penalty.

Market fluctuation

Annuities can offer several different levels that provide protection during market downturns, and may, for an additional cost, include growth, principal protection, or a stream of income for life.

Steady income

Annuity payments include interest and a portion of your principal contribution, and may even continue after you’ve recouped your principal, giving you higher payouts than comparable investments that provide income.

Beneficiaries save time

An annuity can pay money directly to your beneficiaries when you die, helping them avoid a lengthy probate process.

Explore the types of annuities available.

Deferred Fixed Annuities

Fixed rate of interest over a fixed period of time.

Fixed annuities offer guaranteed interest earnings while growing the account value. Many different distribution options are available.

  • You receive a fixed rate of interest over a fixed period of time.
  • Distribution options during the fixed term and when the fixed term ends, including lump sum, penalty free partial withdrawals and income for life payments.
  • Tax-deferred growth potential

Index Annuities

Protection from market downturns.

An index annuity allows you to participate in the upside of the market, while having protection on the downside. Index Annuities have the opportunity to earn interest based on performance in an external market index. Since you’re not actually participating in the market, the money in your annuity (your “principal”) is not at risk.

  • Protection from market downturns
  • Tax-deferred growth potential
  • One or more index allocation options
  • Many different withdrawal options, including income for life

Variable Annuities*

*Only available through Muriel Siebert & Co., Inc.

Performance potential through variable options. Variable annuities allow you to grow your funds tax deferred while investing in different variable options (typically Funds). There are multiple withdrawal options when it comes to Variable annuities.

  • A level of protection may provide additional guarantees and benefits
  • Many different withdrawal options including income options
  • Tax-deferred growth potential

Find out if an annuity is right for you.

Provide your contact information below and an Insurance Professional will provide you more information.

Compare Annuities

Use the arrows below to compare attributes of annuities.

Fixed Annuity  
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Indexed Annuity  
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Variable Annuity  
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Immediate Annuity  
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Tax Deferred Growth
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Death benefit
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Single purchase payment or installments
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Minimum guaranteed interest rate
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Principal Protection
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Market-linked growth potential  
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Investment Options  
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Lifetime Income
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