Fixed Annuities
A guaranteed interest rate and a contract that protects your principal — the most predictable way to grow retirement savings.
Overview
A fixed annuity is a contract with an insurance company that pays a guaranteed interest rate on your money for a set period. Your principal is protected from market declines, and the growth is tax-deferred until you withdraw it.
Fixed annuities are valued for certainty: you know your rate, you know your term, and you know your money is protected. Many contracts offer a lifetime income option that converts the balance into a stream of payments you cannot outlive.
We use fixed annuities as the conservative backbone of a retirement income plan — a place to hold money that can't afford a down year while other assets pursue growth.
Key Benefits
- Guaranteed interest rate for the contract term
- Principal protected from market losses
- Tax-deferred growth until withdrawal
- Optional lifetime income you cannot outlive
Interested in Fixed Annuities?
Share a few details and a Lionheart advisor will reach out to answer your questions and see if fixed annuities fits your plan.