What is an annuity?

An annuity is a contract between you (the annuity owner) and an insurance company. In return for your payment, the insurance company agrees to provide either a regular stream of income or a lump sum pay-out at some future time (generally, once you retire or pass age 59 1/2).

Is an annuity suitable for me?

For the right investor, annuities can be exceptional complements to a well-rounded portfolio — they have the advantage over traditional retirement plans of allowing you to invest unlimited funds, tax-deferred. However, annuities are not for everyone.

What are the different types of annuities?

There are many different types of annuities to meet the specific needs of individual investors. Annuity FYI can help simplify the selection process.

The Annuity Qualifier

Help me determine which is the best annuity for my needs.

Financial Self Assessment

What type of investor are you? Take this self assessment consisting of ten statements designed to help you decide where to invest your retirement dollars.

Annuity Checklist

It’s a cold, hard world out there, and you need to be informed to get the best return on your money. Annuity FYI suggests that prior to making a purchase you consider the following about the annuity, the insurance company issuing the annuity, and the broker selling it.

Annuity Warnings!

Annuity FYI regularly publishes warnings about potential pitfalls in purchasing an annuity. Read this before you invest!

Annuities: Find The Right One For You

What type of annuity best suits your needs? This guide explains the main types of annuities and identifies what to look for in each.

Request Current Annuity Rates


Is an Annuity Right for me?

First, let’s make one thing clear. You should not be considering the purchase of an annuity unless you have fully funded or intend to fully fund your IRA, 401(k), or 403(b) for the year. These investments occur before income tax …

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Personal Finance Guide for Teens

Learning to manage your money as a teenager will help you to succeed throughout your life. The habits that you form now will follow you into adulthood. As a teenager, you will likely work at your first job, make your …

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Are Annuities Right for Investors Over the Age of 85?

At Annuity FYI, we frequently get phone calls from investors and financial advisors alike asking us if folks over the age of 85 should be investing in annuities, and if so, which products are available to those investors. In this …

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Annuities: Find the Right One For You

Annuities are an excellent way to generate lifetime income, save for retirement without the worry of market risk, and leave something to your family or a favorite charity after you die. However, like many financial products, where was once a...

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Retirement Planning Should Focus More on Longevity Risk

Retirement Planning Should Focus More on Longevity Risk

Longevity risk is one of the most important issues to contend with when you are retirement

Longevity Annuities Are Poised to Become America’s New Pension

Longevity Annuities Are Poised to Become America’s New Pension

In The Garden City News section “The View From Here,” Bob Morgan, Jr. wrote an

Baby Boomers May Work Longer, Live Less Comfortably in Retirement

Baby Boomers May Work Longer, Live Less Comfortably in Retirement

The Insured Retirement Institute (IRI) is a retirement income industry association made up of