How safe are fixed and indexed annuities from market loss?

Fixed annuities do not lose value due to market performance, while indexed annuities use crediting methods with a floor that prevents negative index credits.

Expect surrender charges for early withdrawals, potential rider fees, and possible market value adjustments depending on interest rates.

How are withdrawals taxed?

Growth is tax deferred and generally taxed as ordinary income when withdrawn.

Can I ladder annuities?

Yes, staggering start dates can improve access and diversify rates. What happens to my value when I pass away? Beneficiary provisions vary by contract. We align them with your estate plan.

Retirement & Annuities | Granen Insurance

Retirement feels better when your income is predictable. Granen Insurance designs retirement and annuities strategies that complement Social Security, pensions, and investments, with options for tax-deferred growth and lifetime payouts. Whether you live near a coastal city, a mountain town, or a suburban neighborhood, our team serves clients in 31+ states with clear guidance and carrier comparisons tailored to your timeline and risk comfort. For many households, adding a guaranteed income stream helps cover essentials so market swings are easier to ride out. Explore how annuities fit alongside life insurance and disability insurance to complete your financial picture.

Fixed annuities offer multi-year guaranteed interest for conservative growth. Fixed indexed annuities credit interest based on an index with a floor that protects against negative index credits, plus optional riders for lifetime withdrawals. Immediate and deferred income annuities can turn a lump sum into monthly income now or later, with single or joint options to support a spouse or partner. Clients often ladder terms to balance access and yield, and many choose limited liquidity today in exchange for stronger guarantees later. If you are comparing with other coverage types, review universal life insurance for flexible premiums or whole life insurance when you want stronger guarantees.

Income riders can increase lifetime withdrawal values, often with a roll-up rate applied to a benefit base. Payout choices include life only, life with period certain, joint and survivor, and cash refund. Liquidity varies by contract, with free withdrawal allowances, surrender schedules, and possible market value adjustments. We model taxes, inflation, and required income so you can see how each option performs across good and rough markets. If you want broader health protection around retirement, pair your plan with medicare advantage during enrollment windows or review health insurance options before you retire.

How safe are fixed and indexed annuities from market loss?
Fixed annuities do not lose value due to market performance, while indexed annuities use crediting methods with a floor that prevents negative index credits.
What fees apply?
Expect surrender charges for early withdrawals, potential rider fees, and possible market value adjustments depending on interest rates.
How are withdrawals taxed?
Growth is tax deferred and generally taxed as ordinary income when withdrawn.
Can I ladder annuities?
Yes, staggering start dates can improve access and diversify rates.
What happens to my value when I pass away? Beneficiary provisions vary by contract. We align them with your estate plan.

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Retirement & Annuities FAQs

Answers that Matter for Common Louisiana Questions

How safe are fixed and indexed annuities from market loss?

What fees apply?

How are withdrawals taxed?

Can I ladder annuities?

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