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Fixed Annuities

Guaranteed Income
You Can Count On

Protect your retirement savings from market risk with a guaranteed fixed rate.

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Fixed Annuities

What Is a Fixed Annuity?

A fixed annuity is a contract between you and an insurance company. You make a lump-sum payment or a series of payments, and in return the insurer guarantees a fixed interest rate on your money for a set period. Your principal is protected, your rate is locked in, and your growth is predictable — no matter what the stock market does.

Why Retirees Choose
Fixed Annuities

Fixed annuities offer the stability that variable investments cannot — making them a cornerstone of conservative retirement planning.

Key Benefits

  • Guaranteed Rate

    Your interest rate is locked in for the full term — no surprises, no market exposure.

  • Principal Protection

    Your original investment is safe. Fixed annuities do not lose value due to market downturns.

  • Tax-Deferred Growth

    Your earnings compound tax-deferred until you begin taking distributions.
fixed annuity
Fixed Annuity vs. Other Options

  • vs. CDs

    Fixed annuities typically offer higher rates than bank CDs, with the added benefit of tax-deferred growth.

  • vs. Variable Annuities

    Unlike variable annuities, your rate does not fluctuate with market performance — your return is guaranteed.

  • vs. Savings Accounts

    Fixed annuities grow tax-deferred and are designed for long-term accumulation, not short-term liquidity.

Explore All of Our Annuity Options

Fixed annuities are one part of our full annuity lineup — including SPDA, FPDA, 1-Year, 5-Year, and MYGA products.

View All Annuities

Annuities FAQs

Find The Answer

If you still can’t find what you’re looking for, speak with an advisor for personalized guidance.

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What is a fixed annuity?

Are fixed annuities better than CDs?

Can I lose money in a fixed annuity?

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