Annuities Product Comparison

	deferred fixed annuity	variable annuity	fixed index annuity	immediate income annuity	deferred income annuity (DIA)
features & benefits	Guaranteed fixed interest rate Tax-deferred growth Principal protection	Range of investment choices Tax-deferred growth potential Potential for loss in value	Interest is credited to an index account based in part on the performance of an external index Tax-deferred growth Market loss protection	Guaranteed income begins within 13 months of contract issue Single purchase payment Limited liquidity	Guaranteed income generally begins no earlier than 13 months after contract issue Flexible purchase payments No liquidity (limited exceptions on some products)
focus	Tax-deferred accumulation	Tax-deferred growth or, if a guaranteed lifetime withdrawal benefit is elected, meeting predictable income goals	Tax-deferred accumulation	Immediate income needs	Future income needs
death benefit protection		Typically		Depends upon annuity option chosen	Most DIA options provide for a return of purchase payment(s) if you die before income payments begin. After annuity income payments begin, any death benefit payable will be based on the annuity option you have chosen.
lifetime income option
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What is the process for getting an annuity?

When you work with a financial professional, you can expect:

- Analyze
- During your initial phone call, your financial professional will ask you questions to understand your financial goals and objectives.
- Recommend
- After looking at your entire financial picture, your financial professional will provide you with suggestions to fill in the gaps so you can choose the products best suited for your situation.
- Purchase
- If you're satisfied with their recommendations, they work with you to secure the products and services to help ensure your financial future.
- Review
- Your financial professional can work with you over time through periodic reviews to help you monitor the strategies in place, and their capacity to continuously meet your goals.