FAQ
Questions to answer before an annuity or rollover decision.
Use these answers as a starting point for a more detailed review with licensed, qualified professionals.
Common questions
Plain-English answers with compliance in mind
What is an annuity?
An annuity is an insurance contract that may provide tax-deferred growth, income options, or protection features depending on the contract type and terms.
Can a 401(k) or IRA be moved into an annuity?
Some retirement assets can be rolled into qualified annuity contracts, but taxes, plan rules, fees, surrender charges, and suitability should be reviewed before moving money.
Are annuity guarantees automatic?
Guarantees depend on the contract terms and the claims-paying ability of the issuing insurance company. Optional riders, limits, fees, and conditions may apply.
Do annuities provide investment advice?
No. This site is educational. Personalized financial, tax, legal, investment, insurance, or fiduciary advice should come from qualified professionals who can review your circumstances.
Why is a disclaimer important?
Annuity marketing must avoid unsupported claims and should explain that product features, costs, risks, liquidity limits, and suitability vary by contract and person.