Variable Annuities Resource Center

While fixed annuities offer a guaranteed payout, variable annuities have the potential for long term capital growth and can even outpace inflation. If you want to benefit from market returns and augment your retirement savings, a variable annuity might be the right choice for you. Follow these links to learn more, and research variable annuities at your own pace. Don't hesitate to contact us with specific questions.

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 Withdrawal Benefits (LWBs) allow you to take withdrawals from 4-8% per year for your entire lifetime, regardless of your account value... Compare LWBs What are Lifetime withdrawal benefits? 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?
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.
Immediate Annuities	Compare immediate annuities that offer fixed or variable payments immediately upon investing, for investors that need immediate income. What’s an immediate annuity?

Additional Information

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: 05/25/2011.