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Home » Financial Services » Annuities » Fixed Annuities

Fixed Annuity

Annuities can offer many benefits during retirement, including a reliable source of steady income. There are several types of annuities, each with unique benefits and challenges. Here at Harlow Wealth Management, we want to help you understand all of the options available to you and find the addition that fits most appropriately in your retirement strategy.

One of the products we offer is a fixed annuity. As with all financial vehicles, this one has specific terms and details that are essential to understand before you decide to purchase an annuity. Read on to learn some important aspects of fixed annuities.

How Do Fixed Annuities Work?

Like all annuities, a fixed annuity is a contract between you and an insurance company. You agree to provide a lump sum or premium payments, and the insurance company agrees to pay you a fixed amount on a regular basis for an agreed-upon amount of time. Rather than being subject to changing interest rates, fixed annuities keep the rate that is locked in during the purchase for a given amount of time specified in the contract.

What Are the Benefits of Fixed Annuities?

Because the interest rate doesn't change during the contract period, a reliable and predictable rate of growth without worrying about how market factors will affect your account value because these are not tied to any external market. Some additional benefits include:

Who Should Consider a Fixed Annuity?

While fixed annuities have many advantages, they are not right for everyone. If you are looking for a steady, reliable income in retirement that is not dependent on market factors or changing interest rates, this type of annuity could be an excellent fit. If you can’t qualify for life insurance you may be able to further customize an annuity by adding a long-term care rider to the base contract to help you afford the cost of long-term care expenses should you need to pay for it down the road.

Contact Us To Learn More

Here at Harlow Wealth Management, we want to help you create a customized investment and retirement income strategy. If you have more questions about fixed annuities or would like to discuss your overall retirement planning, fill out this form or call 800-782- 2136 to schedule a no-obligation meeting.


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Harlow Wealth Management, Inc. is a SEC Registered Investment Adviser and an insurance agency registered with State of Washington and other states, who have not verified nor endorsed the statements on this site. Harlow Wealth Management may transact business only in those states where it is licensed or qualified for an exemption or exclusion from licensing requirements. This website should not be interpreted as a solicitation to offer investment advisory services to residents of any state where we are not authorized to do so. Individualized responses that involve personalized investment advice will not be made absent compliance with jurisdictional requirements where an exemption or exclusion is not available.

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