Tax-deferred annuities

These investments can be a great way to generate retirement income for life. They grow tax-free and you only pay taxes once you start receiving payments which you can receive on a steady basis or as a lump sum.

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Tax-deferred annuities 101

Fixed annuities

Pays a specific, guaranteed rate interest rate on your contributions

Variable annuities

Interest rates will vary depending on the investment’s performance

Income/Immediate annuities

Can provide income almost immediately after purchase in monthly, quarterly or yearly installments

Important information

  • Withdrawals made prior to age 59½ may result in a 10% IRS penalty
  • Guarantees are based on the claims-paying ability of the issuer
  • Withdrawals of taxable amounts will be subject to income tax and surrender charges may also apply
  • Fixed and variable annuities are suitable for long-term investing such as retirement investing
  • Variable annuities are subject to market risk and may lose value

Tax-deferred annuities


Every investment decision comes with its own risk and reward; diversifying your investment choices can help reduce risk. Learn how to use asset allocation to your advantage when designing your investment strategy.

Live your best life

Is your investment strategy on point to set you up for retirement? Taking some basic steps can build a good foundation. Learn more by scheduling a no-obligation review with a financial consultant.


Securities and insurance offered through LPL or its affiliates are:

Not Insured by FDIC or Any Other Government Agency

Not Bank Guaranteed

Not Bank Deposits or Obligations

May Lose Value

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