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Compare Annuities

Use this chart to compare five popular types of annuities that can help you generate guaranteed lifetime income or potentially grow and protect your savings for retirement. Please call us at 1-866-246-5056 or consult with a Wells Fargo Advisors Financial Advisor to determine if an annuity might fit your needs.

Guaranteed Lifetime Income and Tax Deferred Savings 


Income Annuity
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Variable Annuity
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Fixed Indexed Annuity
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Fixed Annuity
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Indexed Variable Annuity

Best if you want 


To convert a portion of your accumulated assets into a pension-like income stream for life that can start immediately or can be deferred until a later date.

 

To be invested in the market with certain income or asset protection guarantees.


A conservative investment that offers an upside return that is tied to the performance of a given market index and provides full downside market protection if the index return is negative.

To grow your tax-deferred savings with low-risk investments, and are comfortable with conservative but predictable returns.


To get more growth potential than a Fixed Indexed Annuity can offer, and are comfortable with a moderate level of market risk.

Key features 


May provide the highest amount of guaranteed income for life, but is ultimately irrevocable and not a liquid investment. 
Tax-deferred savings for retirement guaranteed retirement with various guarantees to protect a guaranteed income stream, a death benefit for your heirs or your principal at a later date.
Your funds are not invested directly in the index, therefore protecting your principal investment, in exchange for a capped rate of return.  
Tax-deferred earnings for retirement, with a predictable fixed rate of return

Higher capped upside growth potential than a Fixed Indexed Annuity in exchange for taking on some downside market risk.

Rate of return

  • Provides a guaranteed stream of income for a period of time selected by the policy owner (often for life)
  • Payment amounts can be based on interest rates, the age and life expectancy of the client, and the options chosen
  • Depends on the performance of subaccounts selected by the annuity holder
  • There may be a minimum growth rate applied to the value that your withdrawal payments will be based upon 

Depends on annuity terms and associated index performance

Generally slower tax-deferred growth and less risk than variable annuities

Depends on annuity terms and associated index performance.

Optional features


Income Annuity
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Variable Annuity
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Fixed Indexed Annuity
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Fixed Annuity
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Indexed Variable Annuity
Income guaranteed for life for you and your spouse
Yes
Yes
Yes
Yes
Yes
Cost-of-living adjustments
Yes




Guaranteed minimum withdrawal benefits
Yes
Yes

Yes
Protection against market losses
Yes
Some
Yes
Yes
Some
Access to your funds, up to a specified limit Very Limited
Yes
Yes
Yes
Yes
Potential to leave a legacy to heirs Some
Yes
Yes
Yes
Yes
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Subaccounts

The underlying funds in a variable annuity are invested in subaccounts, which are professionally managed investment options that invest in stock and/or bond markets.

The investment options may provide you with potentially more income than immediate fixed annuities, but your income payments will be subject to market fluctuation.

Guaranteed minimum withdrawal benefits

Guaranteed minimum withdrawal benefits (GMWBs) guarantee the ability to withdraw a certain percentage of your initial investment for a set number of years or for the rest of your life.