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AnnuaLife
  • Start hereRetirement income, explained

    Turn a lifetime of saving into a paycheck you cannot outlive. No jargon, and the trade-offs are shown up front.

    • Income annuities (SPIA & DIA)
    • QLAC for later-life income
    Plan the paycheck
    • Income annuities
    • QLAC
    • Annuity payout calculator
    • When NOT to buy an annuity
    Get real help
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    • What is a CAA?
    • How we get paid
  • The basicsAnnuities, from the ground up

    Every type, every fee, every tax rule in plain English, with a real disadvantages section on each one.

    • MYGA (fixed rate)
    • Fixed index (FIA)
    All annuity types
    • MYGA (fixed rate)
    • Fixed annuities
    • Fixed index (FIA)
    • Income annuities
    • RILA (buffered)
    • Variable annuities
    The fine print
    • Riders explained
    • Fees & surrender charges
    • Surrender periods
    • How annuities are taxed
    Rates & products
    • Today's MYGA rates
    • Fixed index caps
    • Income payout rates
    • Annuity carriers
    • Browse products
  • The libraryLearn before you talk to anyone

    Plain-English guides that include the downsides. No email gate, no pressure, and no sales pitch.

    • Annuity glossary
    • When NOT to buy an annuity
    • Annuity scams & red flags
    Guides & tools
    • Annuity glossary
    • Annuity carriers
    • When NOT to buy
    • Annuity scams & red flags
    • MYGA vs CD
    • Annuity payout calculator
    • MYGA vs CD calculator
    How we operate
    • What is a CAA?
    • Editorial policy
    • How we get paid
    Life insurance
    • Life insurance overview
    • Term life
    • Whole life
    • Final expense
  • Why Choose Us
Find my advisorCheck today's rates
Retirement income, explainedQLAC for later-life incomeAnnuity payout calculatorWhen NOT to buy an annuityFind my advisorWhat is a CAA?How we get paid
Annuities, from the ground upMYGA (fixed rate)Fixed index (FIA)Fixed annuitiesIncome annuitiesRILA (buffered)Variable annuitiesRiders explainedFees & surrender chargesSurrender periodsHow annuities are taxedToday's MYGA ratesFixed index capsIncome payout ratesAnnuity carriersBrowse products
Learn before you talk to anyoneAnnuity glossaryWhen NOT to buy an annuityAnnuity scams & red flagsAnnuity carriersMYGA vs CDAnnuity payout calculatorMYGA vs CD calculatorWhat is a CAA?Editorial policyHow we get paidLife insurance overviewTerm lifeWhole lifeFinal expense
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AnnuaLife

The educational annuity marketplace. Learn how retirement income actually works, compare real products and rates, and get matched with a Certified Annuity Advisor you can verify by name.

Learn

  • Annuities overview
  • Fixed index annuities
  • MYGA guide
  • Annuity glossary
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  • The library
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  • When not to buy

Compare

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Important disclosures. AnnuaLife is a licensed insurance agency. Guarantees are backed by the claims-paying ability of the issuing insurance company. Annuities and life insurance are not bank products, are not FDIC or NCUA insured, are not guaranteed by any bank or government agency, and may lose value in the case of certain products. Product and rate availability varies by state. Rates shown are examples, not offers, vary by state, are subject to change, and each rate table carries the date it was last updated.

Carrier rates and product figures come from carrier filings and a licensed rate feed, and each carries its as-of date; they are examples, not offers, and vary by state. Advisor profiles and NPNs shown are placeholders pending our published roster. Nothing here is investment, tax, or legal advice. Consult a licensed professional and read any product's disclosure documents before purchasing.

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