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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Annuity & Retirement Insights
Clear explanations, practical guides, and insights to help you understand annuities and plan for retirement.
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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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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…
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Annuities 101
Registered Index Linked Annuity Guide for 2026
A registered index-linked annuity (RILA) offers market-linked growth with a buffer or floor that limits losses. Learn how RILAs work…
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Annuities 101
Annuity Beneficiary Rules: Payout Options, Spouses and Taxes
An annuity beneficiary can take a lump sum, use the 5-year rule or stretch payments. See spouse vs. non-spouse rules,…
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Annuities 101
Exclusion Ratio for Annuities: How Payments Are Taxed
Learn how the annuity exclusion ratio works, and how to estimate the taxable and tax-free amount for SPIAs and annuitization.
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Annuities 101
Are Fixed Annuities FDIC Insured?
Are fixed annuities FDIC insured? The quick answer is no, but they do have their own form of protection that's…
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Annuities 101
How to Buy An Annuity: A Common Sense Guide
Learn how to buy an annuity with this step-by-step guide. Discover key considerations, types, and how much money you need…
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Annuities 101
Qualified Longevity Annuity Contract (QLAC): 2026 Rules and Limits
A QLAC defers up to $210,000 from your 2026 RMD calculation and can pay income as late as age 85.…
