Get a Quote on a fixed annuity* that behaves like a bank CD. The interest rate is guaranteed for every year in which a surrender charge exists. Like a bank CD, the insurance company guarantees a fixed interest rate for a certain period of time, such as 5 or 10 years.

This is in contrast to a traditional fixed annuity where the insurance company "resets" the interest rate every year on the anniversary of your initial deposit. If you have a long-term investment horizon, CD Type Fixed Annuities offer guaranteed level interest rates for the term of the contract period that grow your money tax-deferred.

All annuities impose surrender charges, usually decreasing over time to discourage short-term investment this only applies if you withdraw your money before the end of the contract period.

Fixed annuities are very similar in risk to CD's. One difference is CD's are FDIC insured and annuities are backed by the insurance companies that offer them.

Why choose a fixed annuity?

If you are more of a conservative investor, a fixed annuity may appeal to you. Annuities offer steady, guaranteed growth. Annuities also offer tax-deferral to help your money grow faster and a lifetime income option to keep your retirement secure.

Get Your Free 15 minute Annuity Presentation CD. Call or e-mail us and we will send you one for free.