A deferred income annuity is the closest thing to a pension you can buy yourself, and a 2026 QLAC can hold up to $210,000. Here is how the math works.

A MYGA works like a CD from an insurer—fixed rate, tax-deferred growth—but it isn’t FDIC-insured. Here’s how the two really compare.

The QLAC premium cap rose to $210,000 for 2026, and the old 25%-of-balance rule is gone — here’s how the move actually shrinks your RMDs, with the math.

Deferred annuities set a sales record in 2025, yet most buyers miss one rule: nonqualified contracts have no RMDs, while IRA-held ones start at 73.

An immediate annuity turns a lump sum into lifetime income, but what you keep depends on taxes and the insurer. See what $100K really buys at 65.

A RILA annuity limits losses with a buffer, but a cap limits your gains in return—and you can still lose money beyond the buffer. Here’s the honest math.

Fixed indexed annuities hit a record $127.9B in 2025 — but the 0% floor that attracts buyers comes with caps that limit your real return.

A variable annuity blends market growth with insurance — but its ~1.25% M&E fee, surrender charges, and 10% early-withdrawal penalty hide the real cost.

Fixed annuity rates look attractive right now, but the real cost of a MYGA shows up if you cash out before 59½. Here’s how they actually work.

The types of annuities aren’t interchangeable: fixed locks a rate, variable rides the market, indexed caps gains behind a 0% floor. Here’s which fits.