Variable Annuities Resource Center

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Variable annuities can be very attractive to investors for several reasons. They enable you to potentially benefit from market upside by investing in mutual-fund like sub-accounts. They also provide protection in a down market, and come with various optional annuity riders -- such as death benefits to provide for your heirs, guaranteed minimum income benefits that guarantee a minimum rate of growth (often as high as 5% annually), and lifetime income benefits that guarantee you a regular monthly, quarterly, or annual payment for your lifetime, even if your account balance goes to zero. Follow these links to learn more, and research variable annuities at your own pace.

Complete the form on the right and we will prepare a free Personal Annuity Rate Report (learn more). And don't hesitate to contact us with specific questions or to speak with an Annuity FYI Affiliate.

You can also compare some of the most competitive variable annuities on the market by type and benefits in the table below.

Variable Annuities Resource Center

Feature	Description
Living Benefit Riders	Guaranteed Minimum Income Benefits (GMIBs) guarantee the greater of the actual value, 5-7% compounded annual interest (annuitized), or the highest contract anniversary value (annuitized). Compare GMIBs What's a Guaranteed Minimum Income Benefit? Lifetime Income Benefits (LIBs) allow you to take withdrawals from 4-8% per year for your entire lifetime, regardless of your account value... Compare LIBs What are Lifetime Income Benefits? Lifetime Income Benefit Tutorial in 7 Easy Steps Guaranteed Account Value Benefits (GAVs) guarantee your original investment, give you market upside, and allow you to take your investment as a lump sum after a certain period of time. Compare GAVs What are guaranteed account value benefits?
Bonus	Compare bonus annuities that add 3-5% to premiums. What’s a bonus annuity?
No-Surrenders	Compare annuities with no penalty for early withdrawal, for investors who need spur-the-moment access to their money. What’s a no-surrender annuity?
No-Load	Compare annuities that do not charge you commission fees. What’s a no-load annuity?
Low-Cost	Compare annuities and annuity riders that are among the best value in the industry.
Death Benefit Riders	Compare annuities that guarantee payments to your beneficiaries upon your death. What’s a death benefit?
Investment Strategies & Asset Allocation Models	Compare annuities that have historically high performing investment strategies.

Additional Information

Transcript for the hearing impaired

U.S. Securities and Exchange Commission - Variable Annuities: What You Should Know
Center for Retirement Research at Boston College: "Household Demand for Variable Annuities"
IRS - Variable Annuity Tax Rules
FINRA - Information and resources for firms about Variable Annuities

Updated: 02/13/2013.