PLAN FOR WHAT COMES NEXT

Explore retirement income options with more confidence.

Tell us what matters to you. Your answers help prepare a more relevant conversation about annuities and retirement savings.

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No obligation to purchase. Options and guarantees depend on the product and insurer.

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ANNUITY BASICS

Understand the options before you decide.

An annuity is an insurance contract that may help with long-term retirement planning. Features vary by contract and insurer, so it is important to understand how an option works before making a decision.

01

Retirement income

Depending on the contract, an annuity may offer income payments for a chosen period or for life. Ask how payments are calculated and what choices are available.

02

Growth and protection features

Some annuities offer fixed interest or other ways to calculate interest. Benefits, limitations, fees, and exposure to market risk depend on the specific product.

03

Moving existing savings

If you are considering moving money from an IRA, workplace retirement plan, CD, or existing annuity, compare costs, tax considerations, access to funds, and benefits you could give up.

BEFORE YOU CHOOSE

Questions worth asking.

Take time to understand the contract details and how they fit your goals. You do not need to make a decision just to request more information.

  • What fees, expenses, or surrender charges may apply?
  • When can I withdraw money, and are there limits or penalties?
  • Is any interest rate or benefit guaranteed by the contract, and under what conditions?
  • What happens if I pass away, and what options may beneficiaries have?
  • How could this choice affect taxes or benefits in my current retirement account?
COMMON QUESTIONS

Frequently asked questions

Does completing this form mean I am buying an annuity?

No. This form is a request to discuss your interests. It is not an application, contract, or commitment to purchase.

Are all annuities the same?

No. Contract terms, fees, withdrawal rules, income options, and potential risks differ. Review the specific contract and applicable disclosures before making a decision.

Can I access my money whenever I want?

Access depends on the contract. Withdrawals may be limited and may involve surrender charges, taxes, or other consequences. Ask for the applicable rules before moving money.

Are annuity guarantees backed by the government?

Contractual guarantees, when offered, generally depend on the issuing insurance company's claims-paying ability. They are not the same as a bank deposit guarantee.