Annuities

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Loans</strong> <div class="category-subcategories"> <div class="category-subcategory"> <strong class="category-subcategory-title">Personal Loan Articles</strong> <div class="category-subcategory-links"> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/personal-loans/best-personal-loans/" class="category-subcategory-link"> Best Personal Loans </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/personal-loans/best-fast-personal-loans/" class="category-subcategory-link"> Best Fast Personal Loans </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/personal-loans/debt-consolidation-loan/" class="category-subcategory-link"> Best Debt Consolidation Loans </a> </span> <span class="category-subcategory-link-wrapper"> <a href="https://www.marketwatch.com/guides/personal-loans/best-personal-loans-for-fair-credit/" 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class="article-title" href="https://www.marketwatch.com/guides/annuities/annuities-deferred/">What is a Deferred Annuity?</a> </div> </div> </article> <article class="c-article-card-2 article"> <div class="c-picture article-thumbnail"> <img decoding="async" width="1920" height="1076" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAB4AAAAQ0AQAAAAC3ajyVAAAAAnRSTlMAAHaTzTgAAAESSURBVHja7cGBAAAAAMOg+VOf4AZVAQAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAADwDPUhAAFqAhasAAAAAElFTkSuQmCC" class="attachment-full size-full lazyload ewww_webp_lazy_load" alt="An elderly person discussing annuities with a financial advisor in a serene office environment, with documents and charts explaining the benefits and options available" loading="lazy" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514.jpeg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514.jpeg 1920w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514-300x168.jpeg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514-1024x574.jpeg 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514-768x430.jpeg 768w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514-1536x861.jpeg 1536w" data-sizes="auto" data-eio-rwidth="1920" data-eio-rheight="1076" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514.jpeg.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514.jpeg.webp 1920w, 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src="data:image/png;base64,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" class="attachment-full size-full lazyload ewww_webp_lazy_load" alt="a hand deposits money into a jar" loading="lazy" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/03/low-income-guide-to-saving-money-marketwatch.com_.jpeg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/03/low-income-guide-to-saving-money-marketwatch.com_.jpeg 1920w, 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class="tabpanels"> <div id="674a83814d6f8-tabpanel-0" role="tabpanel" aria-labelledby="674a83814d6f8-tab-0" class="tabpanel authors active"> <div class="swiper-button-prev"></div> <div class="swiper"> <div class="swiper-wrapper"> <div class="swiper-slide author"> <div class="c-picture author-photo"> <img decoding="async" width="828" height="933" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAzwAAAOlAQAAAACA5N/IAAAAAnRSTlMAAHaTzTgAAAB2SURBVHja7cEBDQAAAMKg909tDjegAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAIBLA368AAFYVAMyAAAAAElFTkSuQmCC" class="attachment-full size-full lazyload ewww_webp_lazy_load" alt="" loading="lazy" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2.jpg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2.jpg 828w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-266x300.jpg 266w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-768x865.jpg 768w" data-sizes="auto" data-eio-rwidth="828" data-eio-rheight="933" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2.jpg.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2.jpg.webp 828w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-266x300.jpg.webp 266w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-768x865.jpg.webp 768w" /><noscript><img decoding="async" width="828" height="933" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2.jpg" class="attachment-full size-full" alt="" loading="lazy" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2.jpg 828w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-266x300.jpg 266w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/KellyLarson2-768x865.jpg 768w" sizes="(max-width: 828px) 100vw, 828px" data-eio="l" /></noscript> </div> <a href="https://www.marketwatch.com/guides/authors/kelly-larson/" class="author-name">Kelly Larson</a> <span class="author-roles">Senior Editor</span> </div> <div class="swiper-slide author"> <div class="c-picture author-photo"> <img decoding="async" width="300" height="300" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAASwAAAEsAQAAAABRBrPYAAAAAnRSTlMAAHaTzTgAAAAiSURBVGje7cExAQAAAMKg9U9tCj+gAAAAAAAAAAAAAAB4GS20AAH/6QlrAAAAAElFTkSuQmCC" class="attachment-full size-full lazyload ewww_webp_lazy_load" alt="" loading="lazy" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/01/Jared-Macarin.jpeg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/01/Jared-Macarin.jpeg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/01/Jared-Macarin-150x150.jpeg 150w" data-sizes="auto" data-eio-rwidth="300" data-eio-rheight="300" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/01/Jared-Macarin.jpeg.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/01/Jared-Macarin.jpeg.webp 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/01/Jared-Macarin-150x150.jpeg.webp 150w" /><noscript><img decoding="async" width="300" height="300" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/01/Jared-Macarin.jpeg" class="attachment-full size-full" alt="" loading="lazy" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/01/Jared-Macarin.jpeg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/01/Jared-Macarin-150x150.jpeg 150w" sizes="(max-width: 300px) 100vw, 300px" data-eio="l" /></noscript> </div> <a href="https://www.marketwatch.com/guides/authors/jared-macarin/" class="author-name">Jared Macarin</a> <span class="author-roles">Editor</span> </div> <div class="swiper-slide author"> <div class="c-picture author-photo"> <img decoding="async" width="1360" height="1360" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAABVAAAAVQAQAAAACFBUzlAAAAAnRSTlMAAHaTzTgAAAD4SURBVHja7cExAQAAAMKg9U9tCy+gAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAeBiMnQABS8PwDwAAAABJRU5ErkJggg==" class="attachment-full size-full lazyload ewww_webp_lazy_load" alt="" loading="lazy" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/04/lindsey_pic.png" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/04/lindsey_pic.png 1360w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/04/lindsey_pic-300x300.png 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/04/lindsey_pic-1024x1024.png 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/04/lindsey_pic-150x150.png 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/04/lindsey_pic-768x768.png 768w" data-sizes="auto" data-eio-rwidth="1360" data-eio-rheight="1360" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/04/lindsey_pic.png.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/04/lindsey_pic.png.webp 1360w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/04/lindsey_pic-300x300.png.webp 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/04/lindsey_pic-1024x1024.png.webp 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/04/lindsey_pic-150x150.png.webp 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/04/lindsey_pic-768x768.png.webp 768w" /><noscript><img decoding="async" width="1360" height="1360" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/04/lindsey_pic.png" class="attachment-full size-full" alt="" loading="lazy" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/04/lindsey_pic.png 1360w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/04/lindsey_pic-300x300.png 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/04/lindsey_pic-1024x1024.png 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/04/lindsey_pic-150x150.png 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/04/lindsey_pic-768x768.png 768w" sizes="(max-width: 1360px) 100vw, 1360px" data-eio="l" /></noscript> </div> <a href="https://www.marketwatch.com/guides/authors/lindsey-crossmier/" class="author-name">Lindsey Crossmier</a> <span class="author-roles">Writer</span> </div> <div class="swiper-slide author"> <div class="c-picture author-photo"> <img decoding="async" width="839" height="767" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAA0cAAAL/AQAAAACFL4GCAAAAAnRSTlMAAHaTzTgAAABmSURBVHja7cGBAAAAAMOg+VPf4ARVAQAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAN8APaUAAWDMFNQAAAAASUVORK5CYII=" class="attachment-full size-full lazyload ewww_webp_lazy_load" alt="" loading="lazy" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Laurie-Sepulveda-1.jpg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Laurie-Sepulveda-1.jpg 839w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Laurie-Sepulveda-1-300x274.jpg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Laurie-Sepulveda-1-768x702.jpg 768w" data-sizes="auto" data-eio-rwidth="839" data-eio-rheight="767" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Laurie-Sepulveda-1.jpg.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Laurie-Sepulveda-1.jpg.webp 839w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Laurie-Sepulveda-1-300x274.jpg.webp 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Laurie-Sepulveda-1-768x702.jpg.webp 768w" /><noscript><img decoding="async" width="839" height="767" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Laurie-Sepulveda-1.jpg" class="attachment-full size-full" alt="" loading="lazy" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Laurie-Sepulveda-1.jpg 839w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Laurie-Sepulveda-1-300x274.jpg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/12/Laurie-Sepulveda-1-768x702.jpg 768w" sizes="(max-width: 839px) 100vw, 839px" data-eio="l" /></noscript> </div> <a href="https://www.marketwatch.com/guides/authors/laurie-sepulveda/" class="author-name">Laurie Sepulveda</a> <span class="author-roles">Senior Writer</span> </div> <div class="swiper-slide author"> <div class="c-picture author-photo"> <img decoding="async" width="466" height="528" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAdIAAAIQAQAAAAAd09K5AAAAAnRSTlMAAHaTzTgAAAA1SURBVHja7cEBDQAAAMKg909tDwcUAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAA/Bh7wAABFm/CawAAAABJRU5ErkJggg==" class="attachment-full size-full lazyload ewww_webp_lazy_load" alt="" loading="lazy" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Ashley-Donohoe-headshot.jpg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Ashley-Donohoe-headshot.jpg 466w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Ashley-Donohoe-headshot-265x300.jpg 265w" data-sizes="auto" data-eio-rwidth="466" data-eio-rheight="528" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Ashley-Donohoe-headshot.jpg.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Ashley-Donohoe-headshot.jpg.webp 466w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Ashley-Donohoe-headshot-265x300.jpg.webp 265w" /><noscript><img decoding="async" width="466" height="528" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Ashley-Donohoe-headshot.jpg" class="attachment-full size-full" alt="" loading="lazy" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Ashley-Donohoe-headshot.jpg 466w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Ashley-Donohoe-headshot-265x300.jpg 265w" sizes="(max-width: 466px) 100vw, 466px" data-eio="l" /></noscript> </div> <a href="https://www.marketwatch.com/guides/authors/ashley-donohoe/" class="author-name">Ashley Donohoe</a> <span class="author-roles">Contributor</span> </div> <div class="swiper-slide author"> <div class="c-picture author-photo"> <img decoding="async" width="938" height="938" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAA6oAAAOqAQAAAAC9B5WzAAAAAnRSTlMAAHaTzTgAAACDSURBVHja7cEBDQAAAMKg909tDjegAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAHgy0FQABqm3kIAAAAABJRU5ErkJggg==" class="attachment-full size-full lazyload ewww_webp_lazy_load" alt="" loading="lazy" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Cassidy-Horton-Headshot-2023.png" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Cassidy-Horton-Headshot-2023.png 938w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Cassidy-Horton-Headshot-2023-300x300.png 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Cassidy-Horton-Headshot-2023-150x150.png 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Cassidy-Horton-Headshot-2023-768x768.png 768w" data-sizes="auto" data-eio-rwidth="938" data-eio-rheight="938" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Cassidy-Horton-Headshot-2023.png.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Cassidy-Horton-Headshot-2023.png.webp 938w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Cassidy-Horton-Headshot-2023-300x300.png.webp 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Cassidy-Horton-Headshot-2023-150x150.png.webp 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Cassidy-Horton-Headshot-2023-768x768.png.webp 768w" /><noscript><img decoding="async" width="938" height="938" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Cassidy-Horton-Headshot-2023.png" class="attachment-full size-full" alt="" loading="lazy" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Cassidy-Horton-Headshot-2023.png 938w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Cassidy-Horton-Headshot-2023-300x300.png 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Cassidy-Horton-Headshot-2023-150x150.png 150w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/09/Cassidy-Horton-Headshot-2023-768x768.png 768w" sizes="(max-width: 938px) 100vw, 938px" data-eio="l" /></noscript> </div> <a href="https://www.marketwatch.com/guides/authors/cassidy-horton/" class="author-name">Cassidy Horton</a> <span class="author-roles">Contributing Writer</span> </div> <div class="swiper-slide author"> <div class="c-picture author-photo"> <img decoding="async" width="359" height="406" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAWcAAAGWAQAAAACMDX+cAAAAAnRSTlMAAHaTzTgAAAApSURBVHja7cExAQAAAMKg9U9tCj+gAAAAAAAAAAAAAAAAAAAAAAAA/gZI9AABDijJOQAAAABJRU5ErkJggg==" class="attachment-full size-full lazyload ewww_webp_lazy_load" alt="" loading="lazy" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/11/adamfrankel_Headshot.png" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/11/adamfrankel_Headshot.png 359w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/11/adamfrankel_Headshot-265x300.png 265w" data-sizes="auto" data-eio-rwidth="359" data-eio-rheight="406" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/11/adamfrankel_Headshot.png.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/11/adamfrankel_Headshot.png.webp 359w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/11/adamfrankel_Headshot-265x300.png.webp 265w" /><noscript><img decoding="async" width="359" height="406" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/11/adamfrankel_Headshot.png" class="attachment-full size-full" alt="" loading="lazy" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/11/adamfrankel_Headshot.png 359w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/11/adamfrankel_Headshot-265x300.png 265w" sizes="(max-width: 359px) 100vw, 359px" data-eio="l" /></noscript> </div> <a href="https://www.marketwatch.com/guides/authors/adam-frankel/" class="author-name">Adam Frankel</a> <span class="author-roles">Contributor</span> </div> </div> </div> <div class="swiper-button-next"></div> </div> </div> </div> </section> <section class="b-articles-gallery"> <div class="wrapper"> <h2 class="heading">Recent Articles</h2> <div class="tabpanels"> <div id="674a838158b18-tabpanel-0" role="tabpanel" aria-labelledby="674a838158b18-tab-0" class="tabpanel articles active "> <article class="c-article-card-2 article"> <div class="c-picture article-thumbnail"> <img decoding="async" width="1920" height="1076" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAB4AAAAQ0AQAAAAC3ajyVAAAAAnRSTlMAAHaTzTgAAAESSURBVHja7cGBAAAAAMOg+VOf4AZVAQAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAADwDPUhAAFqAhasAAAAAElFTkSuQmCC" class="attachment-full size-full lazyload ewww_webp_lazy_load" alt="An elderly person discussing annuities with a financial advisor in a serene office environment, with documents and charts explaining the benefits and options available" loading="lazy" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514.jpeg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514.jpeg 1920w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514-300x168.jpeg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514-1024x574.jpeg 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514-768x430.jpeg 768w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514-1536x861.jpeg 1536w" data-sizes="auto" data-eio-rwidth="1920" data-eio-rheight="1076" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514.jpeg.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514.jpeg.webp 1920w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514-300x168.jpeg.webp 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514-1024x574.jpeg.webp 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514-768x430.jpeg.webp 768w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514-1536x861.jpeg.webp 1536w" /><noscript><img decoding="async" width="1920" height="1076" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514.jpeg" class="attachment-full size-full" alt="An elderly person discussing annuities with a financial advisor in a serene office environment, with documents and charts explaining the benefits and options available" loading="lazy" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514.jpeg 1920w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514-300x168.jpeg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514-1024x574.jpeg 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514-768x430.jpeg 768w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514-1536x861.jpeg 1536w" sizes="(max-width: 1920px) 100vw, 1920px" data-eio="l" /></noscript> </div> <div class="article-content"> <div class="article-information"> <a class="article-title" href="https://www.marketwatch.com/guides/annuities/perpetuity/">Is an Annuity a Perpetuity?</a> <div class="article-excerpt wysiwyg"><p>There are three main types of perpetual annuities: constant, growing and deferred — each is designed to provide an endless stream of payments</p> </div> </div> </div> </article> <article class="c-article-card-2 article"> <div class="c-picture article-thumbnail"> <img decoding="async" width="1920" height="1108" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAB4AAAARUAQAAAAC/njPPAAAAAnRSTlMAAHaTzTgAAAEZSURBVHja7cEBAQAAAIIg/69uSEABAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAADAtwETUAABK6csEQAAAABJRU5ErkJggg==" class="attachment-full size-full lazyload ewww_webp_lazy_load" alt="term life insurance policies" loading="lazy" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/02/AdobeStock_136083130-scaled-e1687283172178.jpeg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/02/AdobeStock_136083130-scaled-e1687283172178.jpeg 1920w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/02/AdobeStock_136083130-scaled-e1687283172178-300x173.jpeg 300w, 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https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/02/AdobeStock_136083130-scaled-e1687283172178-768x443.jpeg 768w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/02/AdobeStock_136083130-scaled-e1687283172178-1536x887.jpeg 1536w" sizes="(max-width: 1920px) 100vw, 1920px" data-eio="l" /></noscript> </div> <div class="article-content"> <div class="article-information"> <a class="article-title" href="https://www.marketwatch.com/guides/annuities/selling-life-insurance/">How To Sell Your Life Insurance Policy</a> <div class="article-excerpt wysiwyg"><p><span style="font-weight: 400;">You may be able to sell your life insurance policy to a company or broker for a lump sum that’s usually larger than the payout for surrendering the policy</span></p> </div> </div> </div> </article> <article class="c-article-card-2 article"> <div class="c-picture article-thumbnail"> <img decoding="async" width="1920" height="1076" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAB4AAAAQ0AQAAAAC3ajyVAAAAAnRSTlMAAHaTzTgAAAESSURBVHja7cGBAAAAAMOg+VOf4AZVAQAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAADwDPUhAAFqAhasAAAAAElFTkSuQmCC" class="attachment-full size-full lazyload ewww_webp_lazy_load" alt="An elderly person discussing annuities with a financial advisor in a serene office environment, with documents and charts explaining the benefits and options available" loading="lazy" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514.jpeg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/10/AdobeStock_839878514.jpeg 1920w, 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src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAyAAAAIWAQAAAACHX9TBAAAAAnRSTlMAAHaTzTgAAABLSURBVHja7cExAQAAAMKg9U/taQmgAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAALgB0q4AARLCHOAAAAAASUVORK5CYII=" class="attachment-full size-full lazyload ewww_webp_lazy_load" alt="black older couple discusses retirement annuity options" loading="lazy" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/01/medical-alert-systems-covered-insurance.jpeg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/01/medical-alert-systems-covered-insurance.jpeg 800w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/01/medical-alert-systems-covered-insurance-300x200.jpeg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/01/medical-alert-systems-covered-insurance-768x513.jpeg 768w" data-sizes="auto" data-eio-rwidth="800" data-eio-rheight="534" data-src-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/01/medical-alert-systems-covered-insurance.jpeg.webp" data-srcset-webp="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/01/medical-alert-systems-covered-insurance.jpeg.webp 800w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/01/medical-alert-systems-covered-insurance-300x200.jpeg.webp 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/01/medical-alert-systems-covered-insurance-768x513.jpeg.webp 768w" /><noscript><img decoding="async" width="800" height="534" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/01/medical-alert-systems-covered-insurance.jpeg" class="attachment-full size-full" alt="black older couple discusses retirement annuity options" loading="lazy" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/01/medical-alert-systems-covered-insurance.jpeg 800w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/01/medical-alert-systems-covered-insurance-300x200.jpeg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/01/medical-alert-systems-covered-insurance-768x513.jpeg 768w" sizes="(max-width: 800px) 100vw, 800px" data-eio="l" /></noscript> </div> <div class="article-content"> <div class="article-information"> <a class="article-title" href="https://www.marketwatch.com/guides/annuities/immediate-annuity/">What is an Immediate Annuity?</a> <div class="article-excerpt wysiwyg"><p>Immediate annuities are insurance contracts that turn your savings into safe, reliable income — and you can start receiving payments within a year.</p> </div> </div> </div> </article> <article class="c-article-card-2 article"> <div class="c-picture article-thumbnail"> <img decoding="async" width="1920" height="1280" src="data:image/png;base64,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" class="attachment-full size-full lazyload ewww_webp_lazy_load" alt="" loading="lazy" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/05/AdobeStock_248230610.jpeg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/05/AdobeStock_248230610.jpeg 1920w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/05/AdobeStock_248230610-300x200.jpeg 300w, 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https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/05/AdobeStock_248230610-1536x1024.jpeg.webp 1536w" /><noscript><img decoding="async" width="1920" height="1280" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/05/AdobeStock_248230610.jpeg" class="attachment-full size-full" alt="" loading="lazy" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/05/AdobeStock_248230610.jpeg 1920w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/05/AdobeStock_248230610-300x200.jpeg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/05/AdobeStock_248230610-1024x683.jpeg 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/05/AdobeStock_248230610-768x512.jpeg 768w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/05/AdobeStock_248230610-1536x1024.jpeg 1536w" sizes="(max-width: 1920px) 100vw, 1920px" data-eio="l" /></noscript> </div> <div class="article-content"> <div class="article-information"> <a class="article-title" href="https://www.marketwatch.com/guides/annuities/annuities-deferred/">What is a Deferred Annuity?</a> <div class="article-excerpt wysiwyg"><p>A deferred annuity provides guaranteed income or a lump-sum payout sometime in the future so your principal has more time to grow tax-deferred.</p> </div> </div> </div> </article> <article class="c-article-card-2 article"> <div class="c-picture article-thumbnail"> <img decoding="async" width="1920" height="1280" src="data:image/png;base64,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" class="attachment-full size-full lazyload ewww_webp_lazy_load" alt="" loading="lazy" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/01/AdobeStock_795114353.jpeg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/01/AdobeStock_795114353.jpeg 1920w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/01/AdobeStock_795114353-300x200.jpeg 300w, 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https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/01/AdobeStock_795114353-1536x1024.jpeg.webp 1536w" /><noscript><img decoding="async" width="1920" height="1280" src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/01/AdobeStock_795114353.jpeg" class="attachment-full size-full" alt="" loading="lazy" srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/01/AdobeStock_795114353.jpeg 1920w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/01/AdobeStock_795114353-300x200.jpeg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/01/AdobeStock_795114353-1024x683.jpeg 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/01/AdobeStock_795114353-768x512.jpeg 768w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/01/AdobeStock_795114353-1536x1024.jpeg 1536w" sizes="(max-width: 1920px) 100vw, 1920px" data-eio="l" /></noscript> </div> <div class="article-content"> <div class="article-information"> <a class="article-title" href="https://www.marketwatch.com/guides/annuities/annuitant/">What is an Annuitant?</a> <div class="article-excerpt wysiwyg"><p><span style="font-weight: 400;">An annuitant — often but not always the annuity owner — is the person who receives annuity payments and whose life expectancy is used to calculate those payments</span></p> </div> </div> </div> </article> <article class="c-article-card-2 article"> <div class="c-picture article-thumbnail"> <img decoding="async" width="1920" height="1280" 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https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/03/low-income-guide-to-saving-money-marketwatch.com_-300x200.jpeg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/03/low-income-guide-to-saving-money-marketwatch.com_-1024x683.jpeg 1024w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/03/low-income-guide-to-saving-money-marketwatch.com_-768x512.jpeg 768w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2024/03/low-income-guide-to-saving-money-marketwatch.com_-1536x1024.jpeg 1536w" sizes="(max-width: 1920px) 100vw, 1920px" data-eio="l" /></noscript> </div> <div class="article-content"> <div class="article-information"> <a class="article-title" href="https://www.marketwatch.com/guides/annuities/non-qualified/">What is a Non-Qualified Annuity?</a> <div class="article-excerpt wysiwyg"><p><span style="font-weight: 400;">A non-qualified annuity is funded with after-tax dollars and provides a set, guaranteed income stream in retirement where only your earnings are taxed upon withdrawal</span></p> </div> </div> </div> </article> <article class="c-article-card-2 article"> <div class="c-picture article-thumbnail"> <img decoding="async" width="800" height="534" src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAyAAAAIWAQAAAACHX9TBAAAAAnRSTlMAAHaTzTgAAABLSURBVHja7cExAQAAAMKg9U/taQmgAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAALgB0q4AARLCHOAAAAAASUVORK5CYII=" class="attachment-full size-full lazyload ewww_webp_lazy_load" alt="black older couple discusses retirement annuity options" loading="lazy" data-src="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/01/medical-alert-systems-covered-insurance.jpeg" data-srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/01/medical-alert-systems-covered-insurance.jpeg 800w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/01/medical-alert-systems-covered-insurance-300x200.jpeg 300w, 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srcset="https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/01/medical-alert-systems-covered-insurance.jpeg 800w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/01/medical-alert-systems-covered-insurance-300x200.jpeg 300w, https://d2tez01fe91909.cloudfront.net/wp-content/uploads/2023/01/medical-alert-systems-covered-insurance-768x513.jpeg 768w" sizes="(max-width: 800px) 100vw, 800px" data-eio="l" /></noscript> </div> <div class="article-content"> <div class="article-information"> <a class="article-title" href="https://www.marketwatch.com/guides/annuities/survey/">Annuity Statistics: 2024 MarketWatch Guides Annuity Survey</a> <div class="article-excerpt wysiwyg"><p><span style="font-weight: 400;">Our survey offers insights into the current annuity landscape, why people are buying annuities, and the most popular types and providers</span></p> </div> </div> </div> </article> </div> </div> </div> </section> <section class="b-list-and-image background-light-green"> 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