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Annuities are most often an investment made for retirement.  A fixed annuity is a contract in which the Insurance Company makes fixed payments to the annuitant for the term of the contract.  Generally you will make an initial investment and/or make payments toward your principal.  Your principal will never be at risk and will build in value at a guaranteed interest rate.  When the time comes for retirement you will receive guaranteed income payments. We understand needs vary and there are many different options you can choose from.  We can provide more information on different Annuity products to help you determine the options that best suit your individual needs.  Contact an agent today!