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Immediate Annuity

This type of annuity is usually used by someone who is already in retirement, getting ready to retire, or just came into a windfall such as an inheritance or lottery and they want to protect their money while providing an income for themselves each month.

An immediate annuity needs a large investment to be beneficial. The average age someone buys this type of annuity is usually between 65 and 70 years old. If you had a million dollars cash laying around and you put it into this type of annuity, you would immediately start collecting monthly payments that would total about $65,000 a year for 20 years (or life depending on the type you purchase). You’d earn your principal back in about 15 years.

Deferred Income Annuity

This type of annuity can be had for as little as $5,000 to $10,000. Then you can add to it every month until you retire. The calculations for payments are made based on the input you promise to send and your initial investment, plus interest, subtracting fees, and other costs.

Many people who have maxed out their 401K and IRA contributions, plus already have plenty of access to other cash for emergencies, like to purchase this type of annuity to ensure a set monthly payment for their retirement years to offset risks from other investments.

Fixed Annuity

The returns increase in value based on a set interest rate that is known at the time of the purchase. Usually, this is the type of annuity you get when you set up a deferred income annuity. They have better interest rates than CDs (certificates of deposit), and all the interest you earn is tax-deferred until you start receiving payments.

Normally, you don’t have to choose your exact payment dates until closer to your retirement. At that time, they will work out the payments that you’ll receive after you stop paying into the fund. However, you will have an idea of what you’ll get based on interest rates, the payments you pay in monthly, plus when you start taking payments.

Variable Annuity

This type of annuity’s interest rate is tied to another fund, such as the S&P 500. It’s a lot riskier, but you can end up with more returns and still get some protecting regarding your principal. Your income is still tax-deferred, and you still have a minimum monthly guarantee. In some cases, you can also take some cash, and you can assign a death benefit to your relatives.

3 Important Features to a Fixed Annuity


Fixed annuities are considered one of the safest vehicles available for your investment dollars and offer peace of mind knowing that your hard earned savings are protected from market fluctuations. Since the interest is not dependent on the performance of stocks or any market performance you don't have to worry about losing money when the market falls. To date there has never been one dollar lost in a fixed annuity contract.


Annuity withdrawals are the contract provision that offers liquidity and allows the owner to regularly withdraw money. There are typically five different ways to withdraw funds from an annuity befor the contract ends.

Penalty Free Withdrawels
  • Accumulating Penalty-Free Withdrawals
  • Return of Premium
  • Systematic Withdrawals
  • Health-Related Waivers

In addition annuities offer many income options that provides a guaranteed income for the rest of your life.

Tax Benefits

Usually, the funds that are paid into the investment are tax-deferred until you start accepting annuity payments. The taxes you pay are only regular income taxes too, which means that you pay taxes on the income just like you would any other income you receive. However, you can purchase annuities with after-tax money too. If you do that, you don’t have to pay taxes when you receive it until you receive your principal back. All earnings from annuities are subject to ordinary income tax.

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S.G Orlando FL,

"Ruben Pierre helped me roll over my 401K into an Indexed Annuity and I earned a 10% bonus in addition to a great return my very first year. Thanks again you guys."

J.S. Atlanta GA

"I was worried about losing my retirement because of the volatility in the market but Amerus helped me transfer my funds into a fixed annuity that offered the safety and liquidity that I needed ."

F. Orwell Anderson SC

"Thanks for the help, Amerus was awesome to work with..."

T.B. Lakeland FL

"Amerus helped me roll over my 401K from a company that I had worked for many years. I earned a substantial bonus and I am extremely happy. Thanks Again"

Frequenty Asked Questions

  • An annuity is a financial contract between an insurance company and a buyer — typically an investor or retiree. In exchange for a lump sum or monthly payments toward the principal, an insurance company will pay out income through a series of payments or a one-time lump sum.

  • A unique benefit to an annuity is the death benefit. Should an annuity owner die before their annuity disburses all payments, the remaining assets can transfer to a spouse or surviving beneficiary. If you choose not to have a beneficiary, upon your death all remaining annuity assets will be surrendered to the issuing insurance company.

  • Yes, annuity payments disbursed to a spouse or beneficiary will be treated as taxable income.

  • Annuity owners can begin withdrawing money from their annuity by the age of 59½ without having to pay an early withdrawal fee. Some annuity contracts offer a surrender period, or an amount of time an investor has to wait before withdrawing funds from their annuity account. If money is withdrawn before that time, you will be subject to paying a surrender charge.

  • Mutual funds follow the market conditions. While they may offer a higher rate of return if conditions are positive, they also carry higher risk of losing income and interest. Annuities, however, guarantee a steady, low-risk stream of income no matter the market conditions. They also have the ability to grow tax-deferred over time.

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