Annuity Guides & Resources
Free educational content written by annuity experts who work for you, not the insurance companies. No sales pitch — just the information you need to make an informed decision.
Getting Started
What Is a SPIA?
The single premium immediate annuity explained — current payout rates, options, taxes, and how to buy one the right way.
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What Is a Life Annuity?
A complete guide to how life annuities work, who they're for, and how they differ from other retirement products.
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Types of Annuities Explained
Fixed, variable, indexed, immediate, deferred — learn the differences and which type fits your situation.
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Pros and Cons of Annuities
An honest, balanced assessment of annuity benefits and drawbacks to help you decide if one is right for you.
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How Annuities Work
A step-by-step guide to how annuities work — from purchase to monthly payouts, payout options, and real examples.
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Annuity Retirement Planning
How to build an income floor, fill the Social Security gap, and use the annuity ladder strategy.
Read Guide →Comparisons
Annuity vs. 401(k)
Side-by-side comparison of annuities and 401(k) plans — when to choose each and when to use both.
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Best Age to Buy an Annuity
Age-by-age analysis of annuity rates, trade-offs, and the optimal time to convert savings to income.
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Fixed vs. Variable Annuities
Compare fixed and variable annuities side by side — fees, returns, risk, and guarantees explained.
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Annuity vs. CD
Which pays more? Compare interest rates, tax treatment, and when each option makes sense.
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Annuity vs. Social Security
How annuities and Social Security work together to provide guaranteed retirement income.
Read Guide →How Much Does an Annuity Pay?
$100,000 Annuity Payouts
Exact monthly income from a $100,000 SPIA by age and gender, updated monthly.
Read Guide →$200,000 Annuity Payouts
What $200,000 pays per month — and how it fills the Social Security gap.
Read Guide →$250,000 Annuity Payouts
Monthly income from $250,000 — and why the state guaranty limit matters at this level.
Read Guide →$300,000 Annuity Payouts
How $300,000 recreates a traditional pension, with current payouts by age.
Read Guide →$500,000 Annuity Payouts
Monthly income from $500,000 — plus laddering and multi-carrier strategies.
Read Guide →$1,000,000 Annuity Payouts
How to deploy $1 million into guaranteed income across multiple carriers.
Read Guide →$50,000 Annuity Payouts
What $50,000 pays per month — enough to cover one recurring bill for life, and every carrier we quote accepts it.
Read Guide →$150,000 Annuity Payouts
Monthly income from $150,000 — the pension-supplement amount, by age and gender.
Read Guide →$400,000 Annuity Payouts
What $400,000 pays per month, and how to split it across two carriers under the guaranty limit.
Read Guide →$750,000 Annuity Payouts
Monthly income from $750,000 — three-carrier splits, laddering, and staged annuitization.
Read Guide →$2,000,000 Annuity Payouts
How $2 million converts to guaranteed income across four or more carriers, in stages.
Read Guide →Cost of a $1,000/Month Annuity
The lump sum needed to buy $1,000 a month for life, by age — best vs. average carrier, plus a reverse calculator.
Read Guide →Cost of a $2,000/Month Annuity
What it costs to guarantee $2,000 a month for life at each age from 55 to 80.
Read Guide →Cost of a $3,000/Month Annuity
The premium required for $3,000 a month for life — single, female, and joint — with an income-gap worksheet.
Read Guide →Cost of a $5,000/Month Annuity
How much you need to buy $5,000 a month for life, and how to split it across carriers.
Read Guide →Payout Options & Strategy
Annuity Payout Options
What each SPIA payout option pays and what the guarantee costs per month at 65, 70 and 75: life only, period certain, cash refund, joint & survivor.
Read Guide →Joint & Survivor: 100% vs. 75% vs. 50%
What 100%, 75% and 50% joint-and-survivor SPIAs pay couples at 65 and 70, real age-gap quotes, and how to size the survivor percentage.
Read Guide →How to Compare SPIA Quotes
Why A-rated carriers quote 10–15% apart on the same SPIA, the hold-constant checklist, and how to get an apples-to-apples quote.
Read Guide →SPIA vs. Deferred Income Annuity vs. MYGA
Income now or later? Side-by-side comparison plus a computed MYGA-then-SPIA ladder with breakeven age and a decision flow.
Read Guide →Tax & Legal
Buying an Annuity With IRA or 401(k) Money
Trustee-to-trustee transfers, RMDs after partial annuitization, the SECURE 2.0 aggregation rule, Roth, and QLAC vs. SPIA.
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How Are Annuities Taxed?
Federal and state tax treatment of annuity income — qualified vs. non-qualified, exclusion ratios, and more.
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Annuity Costs & Fees
The truth about annuity fees by type — from zero-fee fixed annuities to high-cost variable products.
Read Guide →Ready to take the next step?
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Learn the 7 questions to ask before buying any annuity — written by experts who work for you, not the insurance companies.
