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What is a Deferred Income Annuity?

A deferred income annuity (“DIA,” and also sometimes referred to as a longevity annuity), is a contract between you and an insurance company. You give a lump-sum payment to the insurance company in exchange for guaranteed lifetime income that begins at a future date, up to forty years later in some cases. Deferred income annuities can serve as a sort of pension for those investors without an employer’s defined benefit plan.

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ADVISOR INSIGHT

“A deferred income annuity is a plan that will help you create a stable income stream for the future. These plans are the equivalent of buying a pension for yourself, or yourself and your spouse. With these plans, you are giving up your principal in exchange for an income stream for life or a set period of time. These plans are growing in popularity due to the fact that pensions are not as prevalent as they have been in the past.”

Andrew Murdoch

Andrew Murdoch, Certified Financial Planner™

licensed financial professional

ARTICLES & GUIDES

Some DIAs allow buyers to make multiple contributions to their account before the income stream start date arrives. Some also allow you to change the dates in which payments begin. Still others offer a cost-of-living adjustment as an option, although this would only make sense if longevity is on your side.

This May Be a Good Time to Buy a Deferred-Income Annuity

Economic growth, the rate of job creation, incomes, and the stock market have all been improving, but this doesn’t mean the good times will roll indefinitely amid an exceedingly old economic expansion …

Consider a Longevity Annuity If You’re Concerned About Outliving Your Savings

Consider a Longevity Annuity If You’re Concerned About Outliving Your Savings

It’s well known that many retirees and pre-retirees are concerned about the possibility of eventually…

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Investments + Annuities = Healthy Retirement?

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Conservative Annuity Buyers Turning To Split Annuity Strategy

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One Man’s Do-It-Yourself Retirement Plan

Baltimore radiologist Dimitri Merine hopes to retire in seven years, at age 63. So he created a do-it-yourself retirement…

The Right Way to Evaluate a Deferred Income Annuity

The Right Way to Evaluate a Deferred Income Annuity

Articles about deferred income annuities (DIAs) frequently look at them through the “investment frame” and focus…

Criteria for Evaluating Deferred Income Annuities

Criteria for Evaluating Deferred Income Annuities

When evaluating deferred income annuities, Annuity FYI looks for features and fees of the annuity itself…

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