Fixed Annuities
Contract-based interest crediting and insurance guarantees, subject to the issuing insurer’s claims-paying ability. Rates, guarantee periods, withdrawal restrictions and charges vary by contract; this is not a promise of portfolio returns.
Fixed annuities are designed for one thing: protecting your principal while paying a predictable rate of interest. These guides explain how they work, how they compare to alternatives like CDs, and where immediate annuities fit when you need income now.
Guarantees in any annuity are subject to the claims-paying ability of the issuing insurance company and are not FDIC insured. As an independent insurance professional, Tim can compare contracts across many carriers in a free review.
Guides in this topic
The Ultimate Fixed Annuity Guide
Everything you need to understand fixed annuities — principal protection, fixed interest, and where they fit in a plan.
Read the guideFixed Annuity vs CD: Which Is Right for You?
Both offer fixed rates and principal protection — but the differences in taxes and who backs them matter. Here's the comparison.
Read the guideImmediate Annuities Explained
An immediate annuity turns a lump sum into a steady paycheck — backed by the issuing insurer — that can start right away. Here's how they work.
Read the guideReady to Talk Through Your Plan?
Schedule your complimentary, no-pressure Retirement Income Review with Tim. Call (727) 692-5866 or book below.
Annuities are insurance contracts. Guarantees, including guaranteed lifetime income benefits where available, are subject to the claims-paying ability of the issuing insurance company. Product features, fees, withdrawal restrictions, and surrender charges vary by contract.