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AnnuityAnnuity Advantage offers annuity rates and annuity quotes from over 40 different annuity insurance companies. An annuity is a contract between you and an insurance company for a guaranteed interest bearing policy with guaranteed income options. The insurance company credits interest, and you don't pay taxes on the earnings until you make a withdrawal or begin receiving an annuity income. Your annuity contract earns a competitive return that is very safe. Annuity Advantage offers a diversified line of fixed and immediate annuity products to meet your savings and retirement needs. You can enjoy the security of fixed annuities or purchase an equity indexed annuity that matches your interest earnings to a stock market index. Many people today are using a tax-deferred annuity as the foundation for their overall financial plan instead of certificates of deposit or bank savings accounts. Although CD's and Fixed Annuity products are very similar, there are significant differences between the two. The most important difference is that an annuity allows for the deferral of the taxes due on the interest earned until the interest is withdrawn. By postponing the tax with an annuity, your money compounds faster because you can earn interest on dollars that would have otherwise been paid to the IRS. Later, if you decide to take a monthly income, your taxes can be less because they will be spread out over a period of years. Like Certificates of Deposit, an annuity may have a penalty for early surrender, however most annuity contracts have liberal "free withdrawal" provisions. Your tax-deferred annuity is safe. A qualified legal reserve life insurance company is required to meet its contractual obligations to you. Legal reserve refers to the strict financial requirements that must be met by an annuity insurance company to protect the money paid in by all policyholders. These reserves must be at all times, equal to the withdrawal value (principal plus interest less early withdrawal fees, if any) of every annuity policy. State insurance laws also require that an annuity insurance company must maintain certain minimum levels of capital and surplus, which provide additional annuity policyholder protection. For a listing of our "Top 10 Annuity" products and "Annuity of the Month", visit our Home Page. To see a complete and expansive listing of available annuity products by category, click on one of the following links: Equity Indexed Annuity Products We provide true one stop shopping for annuity rates and annuity quotes from over 40 different annuity insurance companies.
¹ First year yield/rate reflects fixed rate plus premium bonus or interest rate enhancement. Interest is based on current rates and subject to change without notice.Send email to
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Annuity Guide
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