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Compare Annuities

Before you invest, you should compare annuities that you are interested in against other annuities, against the benchmark, and also against other investments in the market. The first comparison you should make is to compare fixed annuities vs variable annuities. The table below shows differences and similarities between fixed annuities and variable annuities.

Comparing annuities

Fixed annuities	Variable annuities
Payments made with after tax dollars.	Same.
Payments are invested in the general account.	Payments are invested in the separate account.
Portfolio of fixed income securities and real estate.	Portfolio of stocks, bonds, and mutual funds.
Insurence company assumers investment risk.	Annuitant assumes investment risk.
Not a security.	A security.
Guaranteed rate of return.	Rate of return not guaranteed but depends on the performance of the separate investment account.
Fixed administrative expenses.	Same.
Income guaranteed for life.	Same.
Monthly payment never falls below guaranteed minimum.	Monthly payments fluctuate depending on the market and the performance of the separate account.
Purchasing power risk (inflation).	Protection against purchasing power risk.
Subject to insurance regulations.	Subject to insurance and securities regulations.

Annuity Annuity Guide offers free guide and resources on different annuities for annuity investing. Please ask your attorney for any specific annuity related situation.

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