Fixed and indexed annuities
Contract credits, caps, participation rates, surrender schedules and guarantees vary.
Long-term planning
Retirement and annuity options, without the confusion.
Retirement products must be reviewed for liquidity, guarantees, insurer obligations, time horizon and suitability—not presented as one-size-fits-all investments.
Educational information only. A coverage request is not an application or offer of insurance. Availability varies by state, license and carrier appointment.
Understand the choices
Which options should you review?
Product terms and eligibility vary. These examples describe common categories, not a quote or confirmation of Verity availability.
Income annuities
Payout options and annuitization terms can affect beneficiary rights and access to principal.
Other long-term planning needs
Consider coverage, income protection and whether a referral to an appropriately authorized specialist is needed.
Choose with confidence
What deserves a closer look?
Review the actual policy, plan or official benefits documentation before making an enrollment or purchase decision.
- Insurer financial strength and contractual guarantees
- Fees, liquidity, surrender periods and possible tax consequences
- Income start date, payout options and beneficiary treatment
- Licensing, suitability and best-interest standards that apply
Frequently asked questions
Clear answers, realistic expectations.
Are annuities bank deposits or federally insured?
No. Annuity obligations are generally backed by the issuing insurer and should not be described as FDIC-insured deposits.
Can I withdraw money whenever I need it?
Withdrawals may be restricted or subject to surrender charges and tax consequences. Review the actual contract.
Does Verity provide investment advice?
This page provides general education, not individual investment, tax or legal advice. Product access or referral depends on applicable authorization.
Certain products require specialized insurance or securities licensing; refer when Verity lacks the necessary authority.
Next step
Ask a coverage question Get help with retirement & annuities.
Share your state and what you are trying to understand. You do not need to upload sensitive records or medical information to start.