Annuity Guides

Free Information about Annuities in Plain English

Guides for immediate annuities, longevity annuities, QLACs, fixed annuities, and the Personal Pension written by annuity experts and actuaries

Below you’ll find all Blueprint Income’s customer-favorite guides. As an education-first annuity platform, our goal is to provide visitors with everything they need to know to make the right financial decision for them. We don’t sell annuities to people who don’t need them. And, we provide annuities from as many insurers as possible so our clients get the most value. Once you’ve read the guide to the type of annuity you’re looking for, follow these links to get quotes:

If any questions come up along the way, please reach out to us at (888) 867-7620, [email protected], or send us a chat. Here’s to your financial future!

 

Fixed Annuity Guide

Fixed annuities are CD-like retirement savings options. They offer a guaranteed return for a set number of years. They are available for longer terms than CDs, offer typically higher rates, and defer taxes on interest gains until money is withdrawn. Click to get access to the Fixed Annuity Guide.

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Immediate Annuity Guide

Immediate annuities provide guaranteed lifetime income for those nearing or already in retirement. In buying an immediate annuity, you’re transforming your retirement savings into a monthly check you can’t outlive. Click to get access to the Immediate Annuity Guide.

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Longevity Annuity Guide

Longevity annuities, a.k.a. deferred income annuities, provide guaranteed retirement income to those 2+ years from retirement. Money deposited into a longevity annuity is converted into steady monthly income starting 2-40 years from now and continuing for life. Click to get access to the Longevity Annuity Guide.

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Qualified Longevity Annuity Contract (QLAC) Guide

Qualified Longevity Annuity Contracts (QLACs) are a special type of longevity annuity that starts between ages 70½ and 85 and is purchased with money from your Traditional IRA or 401(k). QLACs allow individuals to delay/reduce their required minimum distributions (RMDs). Click to get access to the QLAC Guide.

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Annuity Decision Guide

Unsure which type of annuity is best for you? We cover them all in the 100+ page Annuity Decision Guide. Click to get access to the Annuity Decision Guide.

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Annuity Buying Guide

Want to understand the process involved with buying an annuity? Download the Annuity Buying Guide to learn about the annuity application, fund transfers, and policy issuance. Click to get access to the Annuity Buying Guide.

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Personal Pension Guide

The Personal Pension is Blueprint Income’s flagship product that makes retirement income more accessible to the average American. You get the same benefit of a longevity annuity – guaranteed lifetime income – but don’t need tens of thousands of dollars to get started. Instead, contribute slowly throughout your career, each time increasing your guaranteed income. Click to get access to the Personal Pension Guide.

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Additional Annuity Resources

Lauren Minches, Blueprint Income’s actuary, has written a white paper about the optimal usage of annuities in a retirement portfolio. In short, she and other academic experts show that annuities should replace bonds for a retiree. Access her white paper here.

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Matt Carey, Blueprint Income’s CEO, writes a Forbes column about personal finance, retirement, and annuities. Read his articles here.

Our Resource Center is filled with shorter-form articles as well. And, for quick answers to your questions, review to our Frequently Asked Questions.