An annuity is an insurance contract where you, the purchaser, pay an insurance company to invest your money, allowing it to grow tax-deferred. In some instances, the annuity later provides a stream of income, which could cover a set length of time or be for life. Annuities can be complicated and they’re not for everyone. Before considering an annuity, there are some basics you should know, including what annuities are, what options they provide and how safe your money will be. Start with our beginner's guide: everything you should know about annuities then work your way through our other features and guides.
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What the HECM? Combine It With a QLAC and See What Happens
Combining a reverse mortgage known as a HECM with a QLAC (qualifying longevity annuity contract) can provide longevity protection, tax savings and liquidity for unplanned expenses.
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Watch Out for Annuity Surrender Charges: How to Avoid Them
Pulling money out of an annuity early can be a costly proposition. Here's how surrender charges work and one potential way around them — an annuity "ladder."
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Kiplinger Readers' Choice Awards 2025: Annuity Providers
Readers' Choice Awards In our 2025 Readers' Choice Awards survey, readers evaluated financial providers. Find out which annuity providers came out on top.
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Are Annuities the New Safe Haven?
Annuity sales top $100 billion in the first quarter.
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Annuity Payouts in Retirement: How Much Can You Get Each Month?
Annuity payouts can provide guaranteed income in retirement, but how much? The answer depends on several factors, including age, gender and the amount invested.
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Annuity Red Flags to Watch Out For
Annuities are popular, but they are also confusing. Unscrupulous brokers take advantage of that.
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Should You Add an Annuity to Your Retirement Portfolio?
In need of some guaranteed income? An annuity may be the answer if you check off any of these boxes.
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A QLAC Does So Much More Than Simply Defer Taxes
Here are the multiple ways you can use a QLAC, from managing retirement risks to creating income for specific retirement needs and wants.
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Navigating Annuity Taxation: A Guide for Financial Advisers
Understanding the essentials of taxation in retirement income strategies involving annuities helps ensure positive outcomes for clients.
