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Annuity Types Explained

SPIA

Single Premium

Immediate Annuity

BEST IF YOU WANT

Guaranteed income to start immediately and you don't need access to your principal. Period Certain options available

DIA

Deferred Income

Annuity

BEST IF YOU WANT

Guaranteed income starting at a future date you lock in today — with higher payouts for waiting longer. Period Certain options available.

FIA+Income Rider

Fixed Indexed

Annuity with

BEST IF YOU WANT

Income Rider

The highest guaranteed lifetime income in most cases, with flexibility on when to start. Has a cash value with growth potential tied to a market index. This cash value becomes a death benefit for your heirs

MYGA

Multi-Year Guaranteed

Annuity

BEST IF YOU WANT

A safe place to grow money at a guaranteed rate — better than a CD — with your principal returned at the end

A note on variable annuities

You may have heard of variable annuities — a type of annuity where your returns are tied to market performance. I don't work with them, and here's why: the whole reason most people consider an annuity is to get away from market risk. Variable annuities reintroduce that risk, often with fees of 2–3% or more that compound over time. That combination keeps some people up at night — and that's the opposite of what I'm trying to help you achieve. There are situations where they may make sense for certain investors, but my focus is on products that deliver guaranteed, predictable income. No surprises.

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