Understand guarantees and tradeoffs over the long term.
Learn about annuity structures, insurance-based income guarantees, long-term-care funding, and how surrender charges and liquidity shape decisions.
An information request is not an application, quote, or confirmation of coverage.
Explore retirement & long-term planning topics
Read an overview before sharing personal information or choosing a next step.
Compare more than the headline.
For people exploring retirement income and later-life financial protection.
- Guarantees and insurer claims-paying ability
- Surrender periods and liquidity
- Fees, charges, and benefit riders
- Suitability, tax, and investment considerations
Helpful answers before your next step.
Are all annuities alike?
No. Fixed, indexed, income, and variable annuities have materially different guarantees, fees, market exposure, and access to funds.
Can an annuity be surrendered without a fee?
Not always. Many contracts impose surrender charges or other restrictions for an initial period.
Annuities are insurance or financial products, not bank deposits. Some variable products have investment and securities rules; individual suitability review is necessary.
Want help understanding your options?
Verity can review your request and explain an appropriate next step where services are available.