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annuities
Annuities & Retirement Income Planning
Annuities can help create dependable retirement income, protect against market volatility, and provide financial confidence in retirement. Atlas Benefits helps you compare different types of annuities and determine which strategy may fit your income goals, risk tolerance, and long-term plans.
Guaranteed Income Potential
Certain annuities can provide income you cannot outlive, helping turn retirement savings into a predictable income stream.
Protection From Market Losses
Fixed and fixed indexed annuities can help protect principal from direct stock market losses while still offering growth potential.
Different Options for Different People
Not every annuity works the same way. The right fit depends on your age, income needs, time horizon, liquidity needs, and comfort with risk.
Different Types of Annuities
Annuities are not one-size-fits-all. Each type is designed for a different retirement purpose, such as safety, income, growth potential, or market participation.
Fixed Annuities
Fixed annuities provide a declared interest rate for a set period of time. They are often used by people who want safety, predictability, and protection from market loss.
Fixed Indexed Annuities
Fixed indexed annuities offer growth potential based on the performance of a market index, while protecting your principal from direct market downturns.
Immediate Annuities
Immediate annuities are designed to start income soon after purchase and may be suitable for people who need income right away.
Deferred Annuities
Deferred annuities allow money to grow over time before income begins, making them useful for people planning ahead for future retirement income.
What Is a Fixed Indexed Annuity?
A fixed indexed annuity is a retirement product designed to provide principal protection, tax-deferred growth potential, and optional income features. Instead of being directly invested in the stock market, interest is credited based on the performance of an index, subject to the terms of the contract.
Growth Potential
Earn interest based on index performance without being directly invested in the market.
Downside Protection
Your principal is protected from direct stock market losses, based on the contract guarantees.
Income Options
Many indexed annuities offer optional income features that can help create retirement income for life.
Who May Be a Good Fit for an Indexed Annuity?
People Nearing Retirement
Those approaching retirement may want to protect a portion of savings while still allowing for growth potential.
People Concerned About Market Volatility
Indexed annuities may appeal to people who want protection from market losses but do not want all of their money sitting in low-growth accounts.
People Seeking Lifetime Income
Some annuities can help create guaranteed lifetime income, which may be useful for covering essential retirement expenses.
People Wanting Tax-Deferred Growth
Annuities can allow money to grow tax-deferred until withdrawals are taken, which may help with long-term retirement planning.
Important Things to Understand
- Annuities are long-term retirement products
- Withdrawals may be subject to surrender charges
- Growth may be limited by caps, spreads, or participation rates
- Optional riders may have additional costs
- Guarantees are backed by the claims-paying ability of the insurance company
Why Comparison Matters
Two annuities can sound similar but work very differently. Atlas Benefits helps compare carriers, crediting strategies, surrender schedules, income options, and long-term suitability so you can make a more informed decision.
Build a Retirement Income Strategy With Confidence
Whether you are looking for growth potential, principal protection, or income you cannot outlive, Atlas Benefits can help you review annuity options as part of your overall retirement plan.
Start My Annuity ReviewA fixed indexed annuity can help protect your retirement savings from market losses while offering the opportunity for growth linked to a market index. For those seeking greater financial confidence in retirement, it can provide tax-deferred growth and options for guaranteed lifetime income that help ensure you never outlive your money.
We may not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.