SERVICES / RETIREMENT PLANNING
Plan for income.
Prepare for what’s next.
Retirement is about more than reaching a number. An annuity may help turn part of your savings into a future income stream, with options that fit different timelines and priorities.
An annuity is a contract with an insurance company. Depending on the product, you can receive income now or later and select different growth and payout features. Guarantees depend on the issuing insurer’s claims-paying ability.
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How it works: A stated interest rate is guaranteed for a specified period; renewal terms vary.
Access: Withdrawals above contract allowances may trigger surrender charges or a market value adjustment.
Costs: Review contract charges, optional riders and renewal rates—not just the initial rate.
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How it works: Interest credits follow an index formula with caps, participation rates or other limits. You do not own the index.
Access: Surrender schedules and withdrawal limits can apply.
Costs: Optional riders may charge fees; crediting limits affect potential growth. Compare guaranteed values separately from illustrations.
03
How it works: Immediate or deferred income options can provide payments for a set period or life.
Access: Annuitization may permanently limit access to the premium; contract exceptions vary.
Costs: Joint-life, refund and beneficiary features can reduce income. An income rider on a deferred annuity is a different arrangement and may charge a fee.
MAKE AN INFORMED CHOICE
Annuities are typically long-term commitments. Surrender charges, market value adjustments and withdrawal limits can apply. Keep an appropriate emergency reserve outside the contract.
Compare guaranteed values, crediting limits, fees, rider costs and death benefits. Variable and registered index-linked annuities have different market risks; product availability depends on licensing.
THE POWER OF CHOICE
Compare the issuing insurance company as well as the contract. F&G and Nationwide brands offer insurance contracts through their identified issuing companies. Quantum provides distribution and professional support; it does not issue the annuity or guarantee payments. Confirm the exact insurer named in the contract.
Fixed and fixed indexed annuity information for retirement planning.
Distributor—not an issuing insurer. Quantum supports financial professionals with annuity distribution, education and case resources through insurance carriers. Contract obligations and guarantees belong to the issuing insurance company.
Product availability depends on licensing, appointments, insurer and state. Guarantees depend on the issuing insurer’s claims-paying ability. An annuity is not a bank deposit and is not FDIC-insured. Review the contract’s issuing-company name, surrender schedule, rider charges and withdrawal provisions.
Some contracts or elected payout options can. Ask what conditions apply, whether a rider is required, what it costs and what beneficiaries would receive.
Access may be limited. Early withdrawals can trigger surrender charges, contract adjustments and taxes. Withdrawals before age 59½ may also face an additional federal tax.
No. It is an insurance contract and is not FDIC-insured. Consider the insurer, contract guarantees and access restrictions.
An IRA already provides tax treatment under its own rules. An annuity within an IRA does not add another layer of tax deferral; evaluate its insurance and income features separately.
FOR DMD AGENTS
Start with the client’s income needs, time horizon, liquidity and existing assets. Explain costs, guarantees and trade-offs, and evaluate replacements carefully. Follow applicable best-interest, suitability, training and licensing requirements.
Let’s talk about the people and plans you want to protect. Our team can help you understand your choices and take the next step with confidence.
This page provides general educational information, not a quote or a coverage recommendation. Insurance coverage is subject to the issued policy’s terms, exclusions, limitations and payment of required premiums.
LEARN MORE: SEC Investor.gov annuity guide ↗ / F&G annuity information ↗ / Nationwide fixed indexed annuities ↗
