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Income for your golden years

How do you anticipate spending your retirement? Exploring new passions, spending more time with family and friends, volunteering, traveling? An annuity may be able to help.

Why purchase an annuity?

You may consider an annuity as your primary source of retirement income, as a supplement to an existing IRA you own, or to bolster your income from a retirement plan offered through your employer.

An annuity can help you accumulate assets and provide multiple options for taking retirement income – including the option to receive a steady stream of guaranteed income for life – so you can make the most of your well-deserved retirement years.

Unlike other retirement options, annuities are not subject to IRS contribution limits (although certain contracts may have a maximum limit) – a good fit if you’ve maxed out your 401(k) or other retirement vehicles.


How do I purchase an annuity?

Our annuities may be purchased through a financial professional. To see how much you may need to save for retirement, use our easy-to-follow calculator.

Start calculating

Immediate annuities

An immediate annuity offers the opportunity to generate a guaranteed stream of income, starting within a year after purchase. It’s an easy way to generate a guaranteed source of income to meet your routine expenses, or to assure that your retirement savings last as long as you do.

Learn about immediate annuities

Fixed deferred annuities

Fixed deferred annuities offer guaranteed growth at a specific interest rate, making them a lower-risk, predictable investment.

Learn about fixed deferred annuities

Fixed indexed deferred annuities

Fixed indexed deferred annuities offer the opportunity to earn interest linked to the changes in performance of an index, allowing you to potentially earn higher interest than you would with many fixed interest products. 

Learn about fixed indexed deferred annuities

Variable deferred annuities

Variable deferred annuities offer the ability to invest your contributions in variable investment options, making them a good fit for those who want market participation and are prepared to face market risk.

Learn about variable deferred annuities

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An annuity is intended to be a long-term, tax-deferred retirement vehicle. Earnings are taxable as ordinary income when distributed, and if withdrawn before age 59½, may be subject to a 10% federal tax penalty. If the annuity will fund an IRA or other tax qualified plan, the tax deferral feature offers no additional value. Qualified distributions from a Roth IRA are generally excluded from gross income, but taxes and penalties may apply to nonqualified distributions. Please consult a tax advisor for specific information. There are charges and expenses associated with annuities, such as surrender charges (deferred sales charges) for early withdrawals. Variable annuities have additional expenses such as mortality and expense risk,administrative charge, investment management fees and rider fees. Variable sub accounts of annuities are subject to market fluctuation, investment risk and loss of principal.

The guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. 

Some products and features may not be available in all states and features may vary by state.

This information is a general discussion of the relevant federal tax laws provided to promote ideas that may benefit a taxpayer. It is not intended for, nor can it be used by any taxpayer for the purpose of avoiding federal tax penalties. Taxpayers should seek the advice of their own advisors regarding any tax and legal issues specific to their situation.

A purpose of the method of marketing is solicitation of insurance and that contact will be made by an insurance agent or agency.

Not a deposit – Not FDIC/NCUA insured – Not insured by any federal government agency – Not guaranteed by any bank or credit union – May go down in value.


DOFU 12-2022