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PROGRAMS
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Annuity Basics
■
Variable
Annuity Links
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Fixed vs. Variable
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Before Tax vs. After Tax
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Savings Growth Chart
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403(b) Fixed
■
403(b)(7)
Variable
■ Equity
Index Annuity
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Fixed
vs. variable?
You be the judge!
Compare the
Fixed Annuity vs. Variable Annuity
|
| |
|
FIXED |
VARIABLE |
| |
Principal Guarantee |
YES |
NO |
| |
Death Benefit (monthly
deductions) |
NO |
YES |
| |
Internal Fees |
NO |
YES |
| |
Loads |
NO |
YES |
| |
Internal Costs & Changes |
NO |
YES |
| |
Guarantee Fund Protection |
YES |
NO |
| |
Market Risk |
NO |
YES |
| |
Trail Commissions Deducted
from Account Performance |
NO |
YES |
| |
Taxable Upon Death |
YES |
YES |
| |
Complicated & Confusing |
NO |
YES |
| |
Medicaid Friendly |
YES |
NO |
| |
Minimum Interest Guarantee
Floor Protection |
YES |
NO |
| |
Grows Tax Deferred |
YES |
YES |
| |
Participation in Stock
Market Gains |
YES |
YES |
| |
Beats Inflation |
YES |
YES |
| |
Free of Insurance Costs |
YES |
NO |
| |
Annual Reset |
YES |
NO |
| |
Compounding |
YES |
YES |
| |
Living Benefit |
YES |
NO |
| |
Avoids Mutual Fund Expenses |
YES |
NO |
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