Free Retirement Education
Everything You Need to Know About Annuities — Before You Buy One
Get free access to Safe Retirement Academy's Annuity Education Center and learn how today's annuities really work—including the good, the bad, and the ugly.
YOUR FREE GUIDE COVERS:
✓ The Four Major Types of Annuities
✓ Fixed Indexed Annuities & the 0% Floor
✓ MYGAs vs. Bank CDs
✓ Lifetime Income Riders
✓ Fees, Surrender Periods & Liquidity
✓ What Your Investment Advisor May Not Tell You
✓ 15 Questions to Ask Before Buying an Annuity
100% Free • No Purchase Required • Immediate Access
Annuities Can Be Confusing. They Don't Have to Be.
The word “annuity” describes several very different types of insurance contracts—and understanding those differences matters.
Some annuities are designed primarily for growth. Others are designed for income. Some expose account value to market losses. Others are specifically designed to protect against index-linked market losses.
Safe Retirement Academy created this free consumer guide to help you understand how annuities actually work, where they may fit, where they may not, and what questions you should ask before making a decision.
THE GOOD
Principal protection, tax-deferred growth potential, predictable income and contractual guarantees.
THE BAD
Surrender periods, limited liquidity, caps, participation rates and other contract limitations.
THE UGLY
Buying the wrong annuity, misunderstanding income riders, or choosing a product based on a flashy bonus instead of understanding the entire contract.
THE BOTTOM LINE
An annuity isn't a retirement plan. It's a financial tool—and whether it's appropriate depends on the job you need that money to perform.
This isn't an annuity sales brochure. It's a straightforward educational guide designed to help you understand what annuities can—and cannot—do before you make a decision.
YOUR SAFE RETIREMENT ACADEMY RESOURCE
Cathy is a licensed financial professional and Safe Retirement Academy educational partner who is available to answer questions about the material and help you better understand how these concepts may relate to your retirement.
Cathy Mendoza