{"id":22,"date":"2026-09-08T09:00:00","date_gmt":"2026-09-08T09:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/neashaminsuranceagency-com\/2026\/09\/08\/annuities-key-pros-and-cons\/"},"modified":"2026-09-08T09:00:00","modified_gmt":"2026-09-08T09:00:00","slug":"annuities-key-pros-and-cons","status":"publish","type":"post","link":"https:\/\/www.neashaminsuranceagency.com\/blog\/2026\/09\/08\/annuities-key-pros-and-cons\/","title":{"rendered":"Annuities: Key Pros and Cons"},"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\/annuities-retirement-pros-remotion-videos-c801\"\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>In the US, annuities exchange a lump sum or scheduled payments for regular income, often for life, while contributions grow tax-deferred inside the contract.<br \/>\nPotential advantages include guaranteed payouts, fixed-return protection, index-linked contracts with a downside floor, and optional riders for inflation coverage, long-term care, or death benefits.<br \/>\nKey tradeoffs include potentially high fees, seller commissions, and surrender periods of 3 to 10 yr, with early-exit charges that can start at ~7%.<br \/>\nBuyers should also weigh ordinary-income taxes on gains, limited inflation protection on fixed payouts, and significant penalties when early access reduces liquidity.<br \/>\nCommon US annuities include fixed for predictable growth, variable for market-linked results, fixed-index with caps and floors, and immediate contracts starting payouts within 12 mo.<br \/>\nIn US retirement planning, building a tax-efficient income stream remains a priority, and an annuity may or may not fit that broader strate<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>In the US, annuities exchange a lump sum or scheduled payments for regular income, often for life, while contributions grow tax-deferred inside the contract. Potential advantages include guaranteed payouts, fixed-return protection, index-linked contracts with a downside floor, and optional riders for inflation coverage, long-term care, or death benefits. Key tradeoffs include potentially high fees, seller [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":81,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-22","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\/22","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=22"}],"version-history":[{"count":0,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/22\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/media\/81"}],"wp:attachment":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/media?parent=22"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/categories?post=22"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/tags?post=22"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}