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Are There Any Good Annuities?

Jan 18, 2023

Blueprint Income Team

Yes, there are good annuities out there, but it’s important to do your research to make sure you get one of them.

Originally annuities only existed to provide a pure guarantee, whether guaranteed income or a guaranteed return. Over time, a few different types of annuities have been created with different value propositions, demoting the guarantee to a feature instead of the core function. We believe good annuities are the simple ones that still only provide the purest form of guaranteed income or guaranteed growth. Guaranteed income is best provided via an immediate annuity (income starting within 12 months) or a longevity annuity (income starting in more than a year). Guaranteed growth is best provided via a fixed annuity that acts in many ways like a longer-term CD (except it’s backed by the claims-paying ability of the insurer, rather having an FDIC backing).

To get real-time personalized quotes with our annuity calculator click here, and to see current fixed annuity rates view our online marketplace here.

If you’re interested in reading more, here are several articles on good annuities.

Blueprint Income Team

We are a team of finance, insurance, and actuarial professionals working to make it easier for everyone to achieve a steady and comfortable retirement. We write about annuities (the good and the bad) and provide strategies to help Americans prepare for retirement.


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