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FAQ
Get Clear, Honest Answers About Annuities
We know annuities can be complex. That’s why we’ve answered the most common questions below—so you can make confident financial decisions.
How does AnnuityAI work?
AnnuityAI is a free tool that helps match you with a Fixed Indexed Annuity (FIA) based on your financial goals. By answering a few simple questions, our system analyzes the best options for your situation.
Do I have to talk to a financial professional?
No, but we highly recommend it. Annuities come with various features, benefits, and conditions that are best explained by a licensed professional. Our tool gives you a starting point, and an advisor can help ensure it’s the best choice for your needs.
Is this really free?
Yes! There are no costs, obligations, or hidden fees to use AnnuityAI.
How do I know if a Fixed Indexed Annuity is right for me?
FIAs are designed for individuals who want:
✔ Principal protection (no risk of market loss).
✔ Tax-deferred growth on their savings.
✔ Potential for higher returns than traditional fixed accounts.
✔ Guaranteed income options for retirement security.
However, every financial situation is unique. Speaking with a professional can help confirm if an FIA aligns with your retirement strategy.
Are annuities safe?
What exactly is a Fixed Indexed Annuity (FIA)?
A Fixed Indexed Annuity is a financial product that:
✔ Protects your money from market downturns.
✔ Earns interest based on stock market performance—without direct investment risk.
✔ Grows tax-deferred, meaning you don’t pay taxes until you withdraw.
How do Fixed Indexed Annuities earn interest?
FIAs are tied to an index (like the S&P 500), but your principal is never at risk. Instead of direct investment, you earn interest based on the index’s performance with a cap or participation rate.
Can I lose money in a Fixed Indexed Annuity?
No—FIAs are designed to protect your initial investment from losses. Even if the market declines, your money is safe.
What are the tax advantages of FIAs?
FIAs offer tax-deferred growth, meaning you won’t pay taxes on earnings until you withdraw. This can help maximize your retirement savings.
What if I want a different type of annuity?
Right now, our tool focuses on Fixed Indexed Annuities. If you’re interested in other options—such as variable, immediate, or hybrid annuities—a licensed professional can help guide you through your choices.
What happens after I take the quiz?
Once you complete the quiz, you’ll see a personalized annuity recommendation. If you’d like more details or want to compare additional options, you can schedule a call with a professional.
Can I compare multiple annuities?
Yes! Our tool allows you to review different FIA options. If you’d like a full comparison—including fees, features, and payout structures—our licensed professionals can walk you through the details.
What if I already own an annuity?
If you currently have an annuity and want to compare it with other options, our advisors can review your existing contract and help determine if you have the best solution for your needs.
Take Control of Your Retirement
Still have questions? Our licensed professionals are available to provide clear, pressure-free guidance on annuities.