What is a Fixed Annuity

“CD-type” annuity is a term used to describe a fixed annuity that has an interest rate guarantee for the same period of time as its surrender period. For example, an annuity with a guaranteed interest rate of 5% per year for five years, where there are no surrender penalties after five years. Some offer a higher rate the first year, and a lower, but guaranteed rate, for all subsequent years of the surrender period – e.g. 8.5% first year, with a guaranteed renewal at 4% for years 2-5 for a blended average of 4.88% per year for five years.


CompanyProduct Name
protectivePro Saver Platinum 15
sslicPersonal Choice Annuity 10
libertyBankers Elite 9
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USA Today Explains Longevity Annuities in Retirement Plans

In the USA Today article, “Securing retirement income with annuities,” Advice IQ’s Sterling Raskie explains how annuity products can help you create a lifetime stream of income.  Raskie says that the goal of any retirement plan is...

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A Unique Retirement Approach Using “Buckets” of Annuities

In Fortune Magazine, Erick Arnett recommends that those of us looking to protect our retirement nest eggs should err on the side of caution.  His article is called “Stop Drinking the Fed’s Kool-Aid – Invest In Your...

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New Deferred Income Annuity Offers Flexible Pay Option

As deferred income annuities become increasingly popular, some insurance companies are making modifications that will peak the interest of a broader range of consumers.  In Insurance News Net’s “Carrier Aims Annuity At Younger...

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“Fixed annuities are Fixed. Unlike other types of annuities such as; variable annuities, fixed indexed annuities or even renewal – rated fixed annuities, Multi Year Guaranteed Annuities (MYGAs) pay a constant predictable rate of interest each year during the selected guaranteed period. The investor can spend the interest as income or allow it reinvest inside the product on a tax deferred basis. If you’re looking for a predictable interest rate with principal protection and CD’s just aren’t paying enough for your tastes, and bonds seem too risky, a traditional fixed MYGA is probably a good consideration.”

Brian Thomas Horn

Brian Thomas Horn, Financial Advisor

Annuity FYI Expert


Annuity Warning #4: Fixed Annuity Rates

Annuity Warning #4: Fixed Annuity Rates

Typically, an annuity company will give you a particular rate up front on a fixed annuity, and then decrease…

Fixed Tax Deferred Annuities

Fixed Tax Deferred Annuities

Fixed tax deferred annuities are invested primarily in government securities and high-grade corporate bonds…