How annuities are framed on this site
Most annuity content leads with income guarantees and downside protection. This site leads with tax treatment — because the tax structure of an annuity determines whether it belongs in your retirement plan. Every page in this section answers: how is this taxed, who does it benefit, and when does it outperform the alternatives?
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You can calculate your protected growth, guaranteed income for life, or a fixed-rate product to meet your goals and protect your retirement. Generate your own quote to explore the possibilities — and I'll personally help you interpret the results and refine the options once you begin.
Quotes are generated on a third-party platform. Product features, rates, and guarantees vary by carrier and are subject to the issuing company's official illustration and contract. This is not a recommendation or an offer; guarantees are backed by the claims-paying ability of the issuing insurer.
Bonus FIA — self-completing Roth (Version B)
A 15–20% premium cash advanced bonus offsets the Roth conversion tax. Staged over multiple years, the annuity self-funds taxes on conversions and future withdrawals. No insurability required. Medium to high net worth.
Fixed indexed annuities (FIA)
Interest credited based on a market index — S&P 500, for example — up to a cap or participation rate, with a 0% floor. Tax-deferred growth, no direct market investment, principal protected.
Fixed annuities (MYGA)
A guaranteed interest rate for a set term — the CD alternative with tax-deferred growth. Interest is not taxed until withdrawal, creating a meaningful advantage over taxable CDs in higher brackets.
Variable annuities
Sub-accounts invested in mutual fund-like holdings with market-linked returns. Tax-deferred growth but all gains taxed as ordinary income on withdrawal — no capital gains rates. Fee analysis is critical.
Immediate vs. deferred annuities
SPIA for immediate income, DIA for future income, QLAC to defer RMDs to age 85. How each is taxed, when each makes sense, and the exclusion ratio explained.
Private annuity sales
Sell an appreciated asset to a family member in exchange for an unsecured lifetime annuity. Capital gains deferred across the payment period. Estate planning and income in one structure.
Annuity tax treatment
Qualified vs. non-qualified annuities, the exclusion ratio, LIFO rule, 1035 exchange, inherited annuity rules, and how Roth-qualified annuities eliminate tax on withdrawals entirely.