TD Ameritrade

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Call us: 800-454-9272

175+ Branches Nationwide

Annuities

Fixed and variable annuities can provide a steady stream of income

Whether you’re already retired or years away, you can feel more confident in your planning with guaranteed income from a fixed or variable annuity. Choose from fixed annuities with a stated payout rate, or variable annuities with a payout rate based on market performance.

Benefits of investing in annuities

  • Guaranteed income for life - the only investment product that can provide guaranteed income for life, annuities are contracts between investors and insurance companies.
  • Tax benefits - annuities offer tax-deferred growth potential, which means your money can compound and grow tax-deferred until a withdrawal or an annuitized payment is made. 
  • Hedge against market fluctuations - annuities can offer several different guarantees that provide protection during market downturns, and may, for an additional cost, include guaranteed growth, guaranteed principal protection, or a stream of income that is guaranteed for life and will never decrease. 
  • Higher payouts - annuity payments include interest and a portion of your principal contribution, and may even continue after you've recouped your principal, giving you higher payouts than comparable investments that provide income. 

Already have an annuity?

We may be able to help you save money. Our Annuity Specialists can review your existing annuity from another carrier to determine whether we can save you money in fees and potentially find a lower-cost alternative with our competitive solutions. They can also review your existing policy to make sure it aligns with both your goals and long-term investing strategy.


Investors should consider any policy replacements or exchanges carefully, as charges and loss of benefits may be associated with surrendering an existing policy.

Why choose TD Ameritrade

  • Competitively priced - may save you money compared with annuities you own now. Learn more about the benefits of purchasing an annuity through TD Ameritrade.
  • Valuable benefits - including optional lifetime income and inflation protection.
  • Exceptional value - tax-deferred investment growth and no surrender fees for variable annuities.
  • Team of licensed annuity specialists - our non-commissioned team can help you find solutions to meet your needs.
  • Annuities from highly-rated insurance carriers - the annuity products available through TD Ameritrade are provided by established insurance carriers1.

Which annuity is right for you?

Benefits

Single premium immediate annuity

Deferred income annuity

Fixed deferred annuity

Variable annuity with optional GLWB benefit*

Fixed index annuity with optional GLWB benefit*

Offers guaranteed income for life

Single premium immediate annuity

Deferred income annuity

Fixed deferred annuity

Variable annuity with optional GLWB benefit*

Fixed index annuity with optional GLWB benefit*

Offers a tax-advantaged income stream

Single premium immediate annuity

Deferred income annuity

Fixed deferred annuity

Variable annuity with optional GLWB benefit*

Fixed index annuity with optional GLWB benefit*

Can provide a steady, guaranteed stream of income immediately

Single premium immediate annuity

Deferred income annuity

Fixed deferred annuity

Variable annuity with optional GLWB benefit*

Fixed index annuity with optional GLWB benefit*

Locks in higher payout rates the longer you wait to receive payments

Single premium immediate annuity

Deferred income annuity

Fixed deferred annuity

Variable annuity with optional GLWB benefit*

Fixed index annuity with optional GLWB benefit*

Locks in higher payout rates the longer you wait to receive payments

Single premium immediate annuity

Deferred income annuity

Fixed deferred annuity

Variable annuity with optional GLWB benefit*

Fixed index annuity with optional GLWB benefit*

Growth potential tied to performance of underlying accounts

Single premium immediate annuity

Deferred income annuity

Fixed deferred annuity

Variable annuity with optional GLWB benefit*

Fixed index annuity with optional GLWB benefit*

Partial

Asset growth compounds tax-deferred

Single premium immediate annuity

Deferred income annuity

Fixed deferred annuity

Variable annuity with optional GLWB benefit*

Fixed index annuity with optional GLWB benefit*

Can provide a financial legacy for your beneficiaries

Single premium immediate annuity

Partial

Deferred income annuity

Partial

Fixed deferred annuity

Variable annuity with optional GLWB benefit*

Fixed index annuity with optional GLWB benefit*

Offers access to your funds (prior to annuitization)

Single premium immediate annuity

Deferred income annuity

Fixed deferred annuity

Partial

Variable annuity with optional GLWB benefit*

Fixed index annuity with optional GLWB benefit*

Partial

Additional tax penalty if receiving payments before age 591/2

Single premium immediate annuity

Deferred income annuity

Fixed deferred annuity

Variable annuity with optional GLWB benefit*

Fixed index annuity with optional GLWB benefit*

Strong Alignment

Single premium immediate annuity

No Alignment

Deferred income annuity

Partial Alignment

*GLWB= Guaranteed Lifetime Withdrawal Benefit, available at an additional cost

** For Single Premium Immediate and Deferred Income annuities with Period Certain, Installment Refund, Cash Refund, or Death Benefit options

Get in touch Call or visit a branch

Call us: 800-454-9272

175+ Branches Nationwide

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Annuities are long-term investments designed for retirement purposes. Withdrawals of taxable amounts are subject to income tax and, if taken prior to age 59½, a 10% federal tax penalty may apply. Early withdrawals may be subject to withdrawal charges.  Optional riders are available at an additional cost. All guarantees are based on the claims paying ability of the insurer.  An annuity is a tax-deferred investment.  Holding an annuity in an IRA or other qualified account offers no additional tax benefit.  Therefore, an annuity should be used to fund an IRA or qualified plan for annuity features other than tax deferral.  Product features and availability vary by state.  Restrictions and limitations may apply.

 Investors should carefully consider a variable annuity’s risks, charges, limitations, and expenses, as well as the risks, charges, expenses, and investment objectives of the underlying investment options. This and other important information is provided in the product and underlying fund prospectuses. To obtain copies of the prospectuses, contact an annuity specialist at 800-347-7496 or email annuities@tdameritrade.com.  Please read them carefully before investing.

 Investment and Insurance Products: Not FDIC Insured * No Bank Guarantee * May Lose Value

 Insurance products/services are offered through The Insurance Agency of TD Ameritrade, LLC. Brokerage services provided by TD Ameritrade, Inc., member FINRA/SIPC. The Insurance Agency of TD Ameritrade, LLC and TD Ameritrade, Inc. are subsidiaries of The Charles Schwab Corporation. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. © 2021 Charles Schwab & Co. Inc. All rights reserved. 

 An insurer's financial strength rating represents an opinion by the issuing agency regarding the ability of an insurance company to meet its financial obligations to its policyholders and contract holders. A rating is an opinion of the rating agency only, and not a statement of fact or recommendation to purchase, sell or hold any security, policy or contract. These ratings do not imply approval of our products and do not reflect any indication of their performance. For more information about a particular rating or rating agency, please visit the website of the relevant agency.

 All guarantees are based on the claims paying ability of the insuring company.

 The annuity products offered are issued by separate and unaffiliated third-party insurance carriers. TD Ameritrade and these companies are not responsible for each other's policies or services.

This is not an offer or solicitation in any jurisdiction where we are not authorized to do business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction, including, but not limited to persons residing in Australia, Canada, Hong Kong, Japan, Saudi Arabia, Singapore, UK, and the countries of the European Union.

TD Ameritrade, Inc., member FINRA/SIPC, a subsidiary of The Charles Schwab Corporation. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. ©2021 Charles Schwab & Co. Inc. All rights reserved.