Presented by Accredited Investment Fiduciary® and Certified Annuity Specialist®, Steve Jurich

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Annuity Checklist

Whether you are thinking about purchasing an annuity or just wanting to learn more about them, this checklist can help you:

  • Understand what an annuity is
  • Discover how they work
  • Uncover how much they might cost
  • Define how long you may be able to receive income from them

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What's covered in this checklist?

What is an annuity?

The type of annuity that would be most suitable for your financial situation depends on a variety of factors.

For example, are you looking to help offset long-term care expenses or steady, guaranteed income for life? This checklist will define an immediate, deferred, fixed, and variable annuity and will outline the general descriptions of each.


What are the fees associated with an annuity?

Each type of annuity has a different fee structure.

This checklist will discuss some of the different fees and charges that may be associated with these products, such as insurance-related fees and penalties for withdrawing early.

What if I need access to the principal in my annuity?


Most annuities offer options that allow you to withdraw a percentage of your contract value each year up to a certain limit. However, early withdrawals could have consequences. This checklist can help explain some of the possible effects of early withdrawals.


How long will I be able to receive income from my annuity?

Annuities pay income in a variety of ways. In some cases, annuities may provide guaranteed income for life. After reading this checklist, you'll learn some of the various payout options available.


Guarantees and protections provided by insurance products, including annuities, are backed by the financial strength and claims paying ability of the issuing insurance carrier. If you’re considering an annuity as part of your overall financial strategy, it’s a good idea to work with a financial professional who is knowledgeable about annuities and retirement income strategies. Contact IQ Wealth Management to set up a time to discuss if an annuity may be appropriate for your unique situation.

Investment advisory services through IQ Wealth Management, a registered investment adviser. All references to guarantees or secure assets refer only to insurance and annuity products, not to securities. Insurance services and products through IQ Wealth Management, insurance division. Guarantees rely upon the financial strength of the issuing insurer. All information herein is general and educational in nature and not intended as investment, tax, or legal advice. Always consult with the appropriate licensed professional for matters concerning taxes and estate planning.

By submitting your contact information, you consent to be contacted by our firm. We assist retirees and pre-retirees in the creation of retirement income strategies utilizing insurance products.

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