Fixed Annuities

A fixed annuity is an investment that generates a series of payments, for either a fixed period or your lifetime (they can also be used for accumulation only, if you so choose). While the investment options on a fixed annuity may have limitations, there are different types available. The annuity you choose may affect the type of return you receive, so knowing your options is essential. For example, index and deferred annuities are generally for growth and immediate annuities are for payout, yet all fall under the larger description of "fixed annuities."

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Whether you choose period-certain payment (fixed period) or annuitization (lifetime), the amount of your payment does not change, even to account for inflation. If a fixed period is chosen, the annuity continues to pay until that period is reached, either to the original investor or to the investor's heirs. Alternatively, if the investor chooses to annuitize, then payments continue for the variable period of the investor's lifetime. After the investor's death, the insurance company's obligations have been met, no matter how many or how few payments have been made.

Fixed annuities do allow some access to the principal investment, if necessary. You may be allowed to withdraw interest, or up to 10 percent annually. There may also be hardship clauses that allow you to withdraw the entire investment without penalty. Each fixed annuity will have its own stipulations, so read the fine print before investing. AnnuitySearch.com is the best place to start your search and begin answering your questions about the right annuity for you and your family.