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Fixed Annuities Educational VideoComing Soon

How Fixed Annuities Work, Explained Simply

Principal protection and predictable interest — how fixed annuities work, and what to read carefully before you buy.

June 9, 2026 8 minFixed Annuities

Archived educational summary. No playable video was supplied for this page.

About this video

Fixed annuities are designed to protect principal while paying a predictable rate of interest. This video breaks down how they work without the jargon, and what to read carefully before signing anything.

Any guarantees in an annuity are subject to the claims-paying ability of the issuing insurance company and are not FDIC insured.

Transcript

A full transcript will be published here once this video is released. Prefer to read? Explore the related guides below for the same material in written form.

Frequently Asked

Are fixed annuities guaranteed?

Fixed annuities offer contractual guarantees on principal and a minimum interest rate, but those guarantees are backed by the issuing insurance company’s claims-paying ability, not by the FDIC or the federal government.

How is a fixed annuity different from a CD?

Both offer predictable growth, but they differ in tax treatment, liquidity, surrender terms, and who stands behind the contract — a CD is FDIC insured, while an annuity relies on the issuing insurer’s claims-paying ability. A side-by-side review of your own options is the best way to compare.

Apply This to Your Own 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.