{"id":10,"date":"2026-09-05T09:00:00","date_gmt":"2026-09-05T09:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/neashaminsuranceagency-com\/2026\/09\/05\/us-annuity-choices-for-retirement-income\/"},"modified":"2026-09-05T09:00:00","modified_gmt":"2026-09-05T09:00:00","slug":"us-annuity-choices-for-retirement-income","status":"publish","type":"post","link":"https:\/\/www.neashaminsuranceagency.com\/blog\/2026\/09\/05\/us-annuity-choices-for-retirement-income\/","title":{"rendered":"US Annuity Choices for Retirement Income"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/glenn-neasham\/choosing-annuity-risks-49ab\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Annuities exchange a lump sum or ongoing payments for regular income, often for life, giving retirees predictable cash flow when guaranteed payments fit broader planning.<br \/>\nKey benefits include tax-deferred growth, fixed-rate downside protection, indexed floors, customizable riders, and no annual federal contribution limits, which can help tailor retirement income.<br \/>\nCommon trade-offs include high fees, seller commissions, limited liquidity, ordinary-income taxes on gains, and surrender periods that can last 3-10 yr for investors.<br \/>\nMain annuity types include fixed, variable, fixed-index, and immediate contracts, each balancing safety, market exposure, growth limits, and the timing of income payments.<br \/>\nBecause guarantees depend on the insurer, buyers should verify company strength and understand state backstops may protect only limited benefits in practice.<br \/>\nCreating a tax-efficient retirement income stream matters, and annuities may or may not belong in that mix depending on contract det<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Annuities exchange a lump sum or ongoing payments for regular income, often for life, giving retirees predictable cash flow when guaranteed payments fit broader planning. Key benefits include tax-deferred growth, fixed-rate downside protection, indexed floors, customizable riders, and no annual federal contribution limits, which can help tailor retirement income. Common trade-offs include high fees, seller [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":69,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-10","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/10","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/comments?post=10"}],"version-history":[{"count":0,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/10\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/media\/69"}],"wp:attachment":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/media?parent=10"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/categories?post=10"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/tags?post=10"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}