Fixed Index Annuities
Fixed Index Annuity Crediting Methods Explained (2026)
How fixed index annuity crediting methods work: point-to-point, monthly sum, participation rates, caps, and spreads. Compare methods side by side.
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Annuity & Retirement Insights
Clear explanations, practical guides, and insights to help you understand annuities and plan for retirement.
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Retirement Planning
What Is an IRA Annuity? Pros, Cons, and How It Works
An IRA annuity combines IRA tax advantages with guaranteed returns. Learn how it works, tax treatment, and whether it fits…
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Fixed Annuities
MVA Meaning: What Is a Market Value Adjustment in an Annuity?
MVA meaning: a market value adjustment raises or lowers your annuity surrender value based on rate changes. See how it…
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Retirement Planning
States That Don’t Tax Retirement Income (2026)
13 states don't tax retirement income in 2026. Full list of states with no tax on pensions, Social Security, 401(k),…
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Annuities 101
What Is a Variable Annuity? A Complete Guide (2026)
A variable annuity lets you invest in market sub-accounts for growth potential. Learn how they work, what they cost, and…
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Fixed Annuities
How Are Annuity Rates Set?
What drives annuity interest rates? Treasury yields, carrier margins, term length, and competition. Here is how rates are set, updated…
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Annuities 101
Single Premium Immediate Annuity
Learn how a Single Premium Immediate Annuity (SPIA) converts a lump sum into guaranteed monthly income for life or a…
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Retirement Planning
When is the Best Time to Buy an Annuity?
When is the best time to buy an annuity? See how interest rates, age, and market conditions affect your decision…
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Annuities 101
What Happens to Your Annuity When You Die?
When you die your annuity's account value will be paid directly to your primary beneficiary, unless that is your spouse…
