FIXED ANNUITY QUOTE

Predictable Growth & Lifetime Income for Retirement

Protect your money from market risk and watch it grow, tax-deferred, at a locked-in rate.

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What Is a Fixed Annuity Contract?

A fixed annuity helps you grow retirement savings safely with a guaranteed interest rate and protection from market loss. It provides steady, tax-deferred growth and can later be converted into reliable income payments. Key benefits include:

Guaranteed Growth¹

Your annuity earns interest at a rate set by the insurer for a specific term, so your growth is steady and predictable.

Principal Protection

Your initial investment and credited interest are backed by the insurer’s guarantees, even when markets fluctuate.¹

Tax-Deferred Accumulation

Earnings grow without yearly income taxes, allowing your balance to build faster over time.

Guaranteed Income Options

When you’re ready, you can turn your accumulated value into guaranteed payments for life or for a specific time period.

Beneficiary Protection

Many contracts offer options to pass remaining value to your loved ones if you pass away before or during income payments.

No Market Risk

Your returns aren’t affected by stock or bond market performance, making your growth simple to understand and easy to plan around.

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How a Fixed Annuity Contract Works

A fixed annuity helps you grow savings at a guaranteed rate for a set term, then convert it into future income. You make a one-time or series of payments, and the insurer manages the contract, applying interest and protecting your principal. Earnings grow tax-deferred, helping your savings build efficiently.

Fund the Annuity: Most fixed annuities start with a lump-sum payment that starts earning interest right away.
Select Your Term: The guaranteed rate typically lasts three, five, seven, or ten years.
Insurer Manages the Contract: The insurance company manages your funds, credits interest, and upholds all contract guarantees, ensuring steady, protected growth.
Value Grows Over Time: Your annuity value increases at a fixed rate, unaffected by market changes.
Access To Funds: You can usually withdraw up to 10% yearly without penalty; larger withdrawals during the surrender period may incur fees or taxes.
Convert To Payments Later: When ready, you can turn your balance into guaranteed payments for life or a set period, providing reliable retirement income.¹
Provide for Loved Ones: Many contracts let you pass remaining value to beneficiaries if you pass away before or during payouts.

Want a deeper dive? Read our full guide: What Are the Different Types of Annuities?

Why Choose Western & Southern?

Financial Strength

High ratings reflect stability you can count on

Trusted for Over 135 Years

Helping families protect their future since 1888

Serving Millions Nationwide

Trusted by families across the 50 states

Is a Fixed Annuity Right for You?

A fixed annuity helps you build retirement savings with steady, guaranteed growth and protection from market loss. It’s designed for people who want reliability – clear terms, predictable results, and the option to turn savings into guaranteed payments later.

Below are examples of who might benefit from a fixed annuity:

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Pension Builder

If your employer doesn’t offer a pension, you can use an indexed annuity to build protected savings that can later become a personal “paycheck for life.”

Balanced Planner

Wants a mix of growth and protection — earning interest when the market performs well without risking losses when it doesn’t.

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Income Bridge Planner

Needs reliable income to cover expenses between retirement and when Social Security or other benefits start.

Tax-Efficient Investor

Prefers to let earnings grow tax-deferred, helping savings compound faster before withdrawals begin.

401(k) Companion

Wants to grow savings alongside a 401(k) or IRA to add balance and some market-linked opportunity.

Legacy Planner

Wants to make sure any remaining value can continue payments or be passed to loved ones.

An indexed annuity is designed for long-term savings and protection. While funds are meant to stay invested through the contract term, many include limited withdrawal options if access to funds is needed.

Not sure if a fixed annuity is right for you? Explore all types of growth annuities.

Frequently Asked Questions About Fixed Annuities

A fixed annuity is a contract that credits a guaranteed interest rate for a set term. You fund it once or over time, earn predictable interest, and later choose to renew, withdraw, or convert it into income. It’s designed for steady, worry-free growth.

Rates are set by the insurer based on market conditions and your chosen term length. Multi-Year Guaranteed Annuities (MYGAs) often offer higher rates for longer terms. Request a personalized quote to compare today’s options.

Yes. Fixed annuities are backed by the insurer’s financial strength and claims-paying ability. Your principal and credited interest are protected by contract and not exposed to market risk.

A MYGA is a type of fixed annuity that locks in one guaranteed interest rate for multiple years, commonly 3, 5, 7, or 10. Your money grows at that fixed rate for the entire term, with no market fluctuations.

Fixed annuities are built for long-term savings but often allow up to 10% of your account value to be withdrawn each year without penalty. Larger withdrawals during the surrender period may trigger fees or taxes, so plan your access needs ahead of time.

Earnings grow tax-deferred, meaning you don’t pay taxes until you make withdrawals. Withdrawals are taxed as ordinary income, and taking funds before age 59½ may result in a 10% IRS penalty.

At the end of your term, you can renew your annuity, withdraw funds, or convert your balance into guaranteed income payments. Many people use their fixed annuity to create reliable income for retirement.

IMPORTANT DISCLOSURES

¹ Payment of benefits under the annuity contract is the obligation of, and is guaranteed by, the issuing company. Guarantees are based upon the claims paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

An annuity is a long-term financial vehicle designed for retirement. An insurance company accepts premiums and provides future income or a lump-sum amount to the contract owner by contractual agreement.

Annuities are issued by Integrity Life Insurance Company and Western-Southern Life Assurance Company, both in Cincinnati, Ohio. Securities offered through W&S Brokerage Services, Inc., member FINRA / SIPC. All companies are members of the Western & Southern Financial Group.

Earnings and pre-tax payments are subject to income tax at withdrawal. Withdrawals may be subject to charges. Withdrawals from an annuity are subject to ordinary income tax, and, if taken before age 59 ½ may be subject to 10% IRS penalty.

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FIXED ANNUITY QUOTE

Predictable Growth & Lifetime Income for Retirement