The Truth About Annuities
A workshop companion for a more informed retirement-income conversation.
What would you like your money to provide throughout retirement? Before considering a particular solution, it helps to understand the questions your income strategy needs to answer.
This companion introduces annuity concepts and gives you space to capture what you want to explore further. Use it alongside the workshop or as a starting point for your own questions.
Download the Workshop Companion22-page PDF | Designed for reading, printing, and handwritten notes
Inside the companion
- An introduction to longevity risk and the challenge of funding a longer retirement.
- An overview of fixed, fixed indexed, registered index-linked, and variable annuities.
- Questions about the relationship between income, growth potential, risk, and access to your money.
- Prompts for considering annuities alongside pensions, Social Security, and investments.
- Space for workshop notes, personal reflections, and questions for a private conversation.
Start with the questions
As you read, note what you want to understand more clearly and what you would need to know before making a decision. The companion provides an introduction; evaluating a specific contract requires its full terms, costs, risks, and disclosures.
Explore your retirement income questions
Bring the questions you would like to discuss to an Ellevation Conversation. We can determine an appropriate next step together.
Explore the LibraryFor general education only; not a recommendation to purchase or replace an annuity. Annuities differ in costs, risks, liquidity, and contractual features. Guarantees depend on the issuing insurer’s claims-paying ability. Some types involve investment risk, including loss of principal. The companion contains additional important information and disclosures.