Fixed Annuities
Principal protection and steady interest — guarantees backed by the issuing insurer, not FDIC insured.
Fixed annuities are designed to do one thing well: protect your principal while paying a predictable rate of interest. This track explains how they work, how they compare to alternatives like CDs, and where immediate annuities fit when you need income now.
Guarantees in any annuity are subject to the claims-paying ability of the issuing insurance company and are not FDIC insured. As an independent insurance professional, Tim can compare contracts across many carriers in a free review.
What you'll learn
- Understand how a fixed annuity protects principal and credits interest
- Compare fixed annuities to CDs and other safe-money options
- Learn how surrender charges and free-withdrawal provisions work
- Know when an immediate annuity can turn savings into income now
Guides & articles
The Ultimate Fixed Annuity Guide
Everything you need to understand fixed annuities — principal protection, fixed interest, and where they fit in a plan.
Read the guideFixed Annuity vs CD: Which Is Right for You?
Both offer fixed rates and principal protection — but the differences in taxes and who backs them matter. Here's the comparison.
Read the guideImmediate Annuities Explained
An immediate annuity turns a lump sum into a steady paycheck — backed by the issuing insurer — that can start right away. Here's how they work.
Read the guideVideo lessons
Short video lessons for this track are in production. In the meantime, the guides above cover the same material in depth, and you can explore all resources.
Frequently asked questions
Are fixed annuities guaranteed?
Fixed annuities guarantee principal and a minimum interest rate, but those guarantees are subject to the claims-paying ability of the issuing insurance company and are not FDIC insured.
How is a fixed annuity different from a CD?
Both offer principal protection and a set rate, but they differ in tax treatment, liquidity, and who backs the guarantee. This track compares them in plain English.
Can I get income from a fixed annuity right away?
Yes — an immediate annuity converts a lump sum into a stream of income that can start within a year. The track explains how that works.
Ready to Apply This to Your Plan?
Schedule your complimentary, no-pressure Retirement Income Review with Tim. Call (727) 692-5866 or book below.