Your Retirement Goals Are Personal. Your Strategy Should Be, Too.

The right annuity depends on your timeline, expected retirement expenses and income, and how you want to balance guarantees with growth potential. Use the comparisons below as a starting point. An 1891 Financial Life representative can explain the details and help you decide which option may fit your needs.

 

Immediate Income Product How You Can Receive Income What Is Guaranteed

Single Premium Immediate Annuity (SPIA)1

Receive a guaranteed income stream in exchange for a lump sum payment.

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Three payout options:

• Life only
• A set period of 5, 10, 15, 20, or 25 years
• Life with a set period

 Payments are guaranteed according to the payout option you select.

Growth-Focused Product How You Fund It How It Balances Protection and Growth

Modified Single Premium Fixed Indexed Annuity (SPIA)2

You decide how your dollars are allocated.

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Fund the annuity with one premium. You may add more premium during the first year only.

 Choose between two account options: an indexed account and a fixed-rate account. Your account value will not fall below your initial investment.

Fixed Annuity Choices How You Fund It Interest-Rate Guarantee

Non-Qualified Annuity

Funded with dollars that have already been taxed.

  • 3-Year Certificate3
  • 7-Year Certificate3
  • 10-Year Certificate3

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 Flexible premium: add money at any time.

Includes a guaranteed minimum interest rate.

Traditional IRA Annuity

Funded with before-tax dollars. All withdrawals or payouts are taxed as ordinary income.

  • 3-Year Certificate3
  • 7-Year Certificate3
  • 10-Year Certificate3

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Flexible premium: add money at any time within contribution limits.

Includes a guaranteed minimum interest rate.

Roth IRA Annuity

Funded with after-tax dollars. Qualified withdrawals in retirement may be tax-free.4

  • 3-Year Certificate3
  • 7-Year Certificate3
  • 10-Year Certificate3

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Flexible premium: add money at any time within contribution limits.

Includes a guaranteed minimum interest rate.

5-Year Multi-Year Guaranteed Annuity (MYGA)5

Funded with pre-tax or after-tax money. 1891 Financial Life’ riders are included at no additional cost.

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Single premium: fund the annuity with one payment.

Can be used for IRA or 401(k) plan rollover.

The interest rate is guaranteed for five years.

DISCLOSURE

Annuities are insurance products; NOT bank deposits or FDIC insured. Current interest rates and product availability are subject to change. Available in CA, CO, IL, IN, IA, KS, MI, MN, MO, MT, NE, ND, OH, OR, SD, WA, WI unless otherwise specified. This flyer is not a contract; see policy forms for full details. Withdrawals of earnings are taxed as ordinary income and may be subject to surrender charges; a 10% IRS penalty may apply before age 59½. Consult a tax professional. Guarantees backed solely by claims-paying ability of 1891 Financial Life.
122SPIA Plan Series.
224 FIA Plan Series. Not available in CA.
323FPDA Plan Series. 1st year guaranteed interest rate; renewal rate based on market conditions.
4Consult your tax advisor regarding your individual situation.
520MYGA Plan Series. Guaranteed interest rate for 5 years; renewal rate based on market conditions. Riders automatically included at no cost.