Picture life after work
Think about essential expenses, time with family, travel, and the everyday life you want. A clear picture helps you ask more meaningful questions.
Review your income picture
Consider existing retirement income sources, savings, and future needs. Ask how changing expenses and access to emergency funds fit into the conversation.
Understand annuities
An annuity is an insurance contract that may provide income immediately or later. Ask about fees, surrender charges, withdrawal restrictions, risks, and the conditions attached to any guarantees.
Know the details before deciding
Annuities are long-term products, and features vary by contract. Guarantees depend on the issuing insurer’s financial strength and claims-paying ability. This page provides general education, not personalized investment, tax, or legal advice. Confirm available services and products with the agency.
Learn more about annuities at Investor.gov.