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Annuities are investments issued by insurance companies that can be used to help build a guaranteed income stream or a retirement nest egg. It’s like being able to create your own pension fund or IRA. Annuities come in many varieties, helping investors reach diverse retirement goals.
| Income annuities | Fixed annuities | Variable annuities1 | |
|---|---|---|---|
| Used for | Securing predictable income | Building wealth | Building wealth |
| Similar to | Pension2 | CD | Fund investment |
| Benefits | Lifetime income | Fixed interest rate | Tax-deferred growth potential |
Whether you want increased retirement savings or a guaranteed income, we make annuities available for a wide range of financial and life goals.
Offer a guaranteed rate of return, with tax-deferral, over a set time period (available through The Fidelity Insurance Network®)
MINIMUM
$5,000
Low-cost variable annuity1 that lets you increase tax-deferred retirement savings beyond IRA or 401(k) contribution limits
MINIMUM
$10,000
A deferred-variable annuity1 designed to protect 105% of the original investment against market declines while providing growth opportunity
MINIMUM
$25,000
Provide a guaranteed income for the rest of your life, or for a set period of time that starts on a date more than 2 years in the future. (available through The Fidelity Insurance Network®)
MINIMUM
$10,000
Provides a guaranteed lifetime income and you can tap into your assets if your plans change7
MINIMUM
$50,000
Provide guaranteed income for the rest of your life, or for a set period of time beginning within a year. (available through The Fidelity Insurance Network®)
MINIMUM
$10,000
Provide growth potential and guaranteed income for the rest of your life, starting when you're ready.
MINIMUM
$50,000
Use this tool to see how you could save more for retirement and manage the amount you pay in taxes later.
Use this tool to get a ballpark figure for your monthly income with a fixed-income annuity.
Learn more about deferred fixed annuities and the investment options within the variable annuities available through Fidelity.
Use the tools in Fidelity's Planning & Guidance Center to learn how annuities may fit into your retirement plan.
The Fidelity Insurance Network® (FIN) helps you simplify comparing prices, products, and companies using our group of reputable insurance providers. Annuity guarantees are only as strong as the insurance company providing them, so company strength and ability to meet future obligations are critical considerations.
A range of highly-rated, financially-strong companies to choose from
A broad selection of simple, transparent, and competitive products that can be tailored to meet your needs
A planning-based approach including access to tools and resources to help you make an informed decision
All of our network providers are rated A+ or better by A.M. Best, and four of them are rated A++ (less than 5% of providers achieve an A++ rating*). Also, six of our providers are rated Very Strong by Standard & Poor's, their second highest rating possible.
| Provider | A.M. Best | Standard and Poor’s |
|---|---|---|
| Fidelity Investments Life Insurance Company | A+
(Superior) |
A+
(Strong) |
| Guardian | A++
(Superior) |
AA+
(Very strong) |
| MassMutual | A++
(Superior) |
AA+
(Very strong) |
| Nationwide | A+
(Superior) |
A+
(Strong) |
| New York Life | A++
(Superior) |
AA+
(Very strong) |
| Pacific Life | A+
(Superior) |
AA–
(Very strong) |
| USAA | A++
(Superior) |
AA+
(Very strong) |
| Western & Southern | A+
(Superior) |
AA–
(Very strong) |
| Ratings current as of 7/31/24. Financial strength ratings are opinions from independent rating agencies of an insurer's financial strength and ability to pay its insurance policies and contract obligations. They are not recommendations to purchase, hold, or terminate any insurance policy or contract issued by an insurer, nor do they address the suitability of any particular policy or contract for a specific purpose or purchaser. Ratings range from A++ to F for A.M. Best ratings, and AAA to CC for Standard & Poors ratings, and are subject to change. For the latest ratings access www.ambest.com and www.standardandpoors.com. | ||
Fidelity financial professionals offer planning and advice to help you realize your goals for a more secure and fulfilling retirement.
You’ll have access to a network of reputable and highly-rated3 providers who offer a broad range of competitive products.
Our tools let you see and explore what the variety of annuities available through Fidelity could do for you and your investment goals.
Chat with a Fidelity financial professional
Question about an existing annuity?
800-634-9361
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