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Annuities from Financial Architects 
Learn more about immediate and deferred annuities

Immediate Annuities

An immediate annuity is usually purchased with a single premium and begins a stream of income within the first 12 months from the date of issue. You decide when payments will begin within that period and how long to receive income. There are two types of immediate annuities: fixed and variable.

Immediate Fixed Annuity

An immediate fixed annuity provides a guaranteed* and predictable stream of income during the payout period.

Immediate Variable Annuity

An immediate variable annuity provides a guaranteed* stream of income. The variable income payments fluctuate based on the performance of the variable investment choices selected.

Deferred Annuities

A deferred annuity is specifically designed to help accumulate assets for retirement. It also offers the ability to turn those assets into a guaranteed* stream of income at some point in the future. You decide when payments begin and how long to receive income. There are basically two types of deferred annuities: fixed and variable.

Deferred Fixed Annuity

A deferred fixed annuity earns interest during the contract's accumulation period. The interest rates are set by the issuing company and are guaranteed* not to be lower than the minimum guaranteed* interest rate shown in the contract. A contract's accumulated assets can be converted into a guaranteed* stream of income for the future.

Deferred Variable Annuity

A deferred variable annuity offers variable investment choices (and usually a fixed account) in which the contract owner can invest. During the accumulation period, the investment return and value of the annuity will fluctuate in accordance with the investments selected. A contract's accumulated assets can be converted into a guaranteed* stream of income for the future.