Immediate annuities and deferred annuities are two types of financial products that allow individuals to save or begin retirement or other long-term goals. In return, the insurance company agrees to ...

A deferred annuity is a long-term contract with an insurance company that provides future income–often for life–in exchange for premium payments, with options like fixed, variable, and indexed types ...

Immediate fixed annuities and deferred fixed annuities are finding a growing market in the wake of the financial market meltdown. It’s no wonder. Their guaranteed payout rates are more than 8 percent ...

An annuity is an insurance product. It provides a long-term stream of income in exchange for an upfront premium. There are many types, including immediate, deferred, fixed, variable and indexed.

David Rodeck is a financial journalist based in New York City specializing in banking, investing and financial planning. Before writing full-time, David was a financial adviser and passed the Series 6 ...

Annuities have a bad reputation due to their complexity, lack of transparency, and limited flexibility. However, for retirees focused on maximizing their spending in retirement, the simplest annuities ...

The most common reasons to choose a tax-deferred annuity are that it allows for accumulation while also ensuring security. Since taxes are delayed till retirement, there is more compounding to augment ...

Laurie Sepulveda is a MarketWatch Guides team senior writer who specializes in writing about personal loans, home equity loans, mortgages and banking. She lives in North Carolina and has taught and ...

A deferred annuity is a popular way to structure an annuity for those seeking retirement income. An annuity pays out money over a period of time, typically during retirement, helping ensure that ...

Annuities are an integral part of the retirement portfolios of investors who want a guaranteed stream of retirement income. A deferred annuity is a contract that provides the buyer with a steady ...