Annuity Awareness Month

June 1, 2017

Top Ten Reasons to Buy a Fixed Annuity

Do you know the top 10 reasons consumers are buying fixed annuities? For investors who want to build and protect their assets, annuities are a great option. There are a lot of great reasons to buy a fixed annuity. These are the most common:

1) Multiple Guarantees

  • Principal and Interest rate guarantees
  • Income guaranteed for as long as you choose: a certain period or for life

2) Safety

  • Ensure your surviving spouse has a continuing income
  • Can provide money in case of a catastrophic illness or if you (or your spouse) need to enter a nursing home1

3) Liquidity

  • Flexible access to your funds with a variety of surrender-free withdrawal options

4) No Sales Charges

  • 100% of your premium can earn interest
  • No automatic reset of surrender charges

5) Tax Deferral

  • Your earnings will not be taxed until you make withdrawals or start taking regular distributions
  • Benefit from triple-compounding: earning interest on principal, interest on interest, and interest on what you would have paid to taxes

6) Control

  • Ability to choose a predictable income stream
  • Lifetime Income options: payments guaranteed to continue for as long as you live

7) Flexibility

  • Multi-year rate guarantee products
  • Variety of contribution and payout options

8) Accumulation

  • Long-term savings plan for future income stream
  • Principal protection: Deferred index annuities never lose value in a “bad” year, while capturing some growth in a “good” year

9) Diversification

  • Deferred index annuities are able to have credited interest tied to an index, such as the S&P 500®, without downside risk
  • Supplement your retirement income

10) Estate Planning

  • Proceeds are paid directly to your named beneficiary
  • May avoid the delay and expense of probate


Sales and Marketing Toolkit

Download these flyers and customize on your own desktop.

Sales Concept Flyer

Top Ten Reasons to Buy a Fixed Annuity

(Fillable PDF)
Companion Flyer

What Is the Cost of Waiting?

(Fillable PDF)


1 Entering a nursing home by surrendering all or a portion of your deferred annuity or by annuitizing your annuity to a pay-out annuity.

Annuities are not (a) insured by the FDIC or any federal government agency, (b) deposits of or guaranteed by any bank or credit union and (c) a provision or condition of any bank or credit union activity. Some annuities are subject to investment risk and may lose value. A surrender charge may apply during the surrender period, and a 10% penalty may apply to withdrawals prior to age 59½.


Sales Ideas