Aviva USA | Fixed Annuity - Overview

Fixed Annuity

With an Aviva annuity, you contribute now and receive income in the future. It grows with a guaranteed interest rate and tax-deferred until amounts are withdrawn,* usually at retirement. Aviva also offers fixed indexed annuities.

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What it can do for you

Adding an annuity to your retirement planning strategy can make a big difference in two ways. First, there is the real benefit of having income you can count on for the rest of your life. Second, there is the benefit of simply knowing you’ll have income for the rest of your life—that’s called peace of mind. And you can enjoy that now.

Helps you sleep better
An Aviva fixed annuity can help you save without exposing your money to the risks you would face with stocks, mutual funds or even most bonds.

Fills in the gaps
Oftentimes pensions, IRAs and social security don’t add up to enough retirement income. An annuity can supplement your retirement income and guarantee income for life—no matter how long you live.

When you might need it

If you’re in one or more of these situations, an Aviva annuity might be exactly what you need.

You’re saving for retirement
If you’re already contributing the maximum to other retirement plans, like an IRA or 401(k), an annuity offers supplemental retirement savings on a tax-deferred basis.

You are retired
An Aviva fixed annuity is ideal if you’re on a fixed income. It can be used to supplement your other retirement income by providing guaranteed payments for the rest of your life.

You’re worried you might outlive your savings
Annuities can provide guaranteed income for the rest of your life, whether you live to be 100 or even 110. It could happen.

You’re responsible for others
With an Aviva annuity, you can provide your loved ones with a payment in the event of your death, also called a death benefit.

*Withdrawal charges and MVA are imposed retroactively if the contract is surrendered within 12 months of a free withdrawal. Withdrawals may be subject to ordinary income tax and may be subject to a 10% IRS tax penalty if taken prior to age 59 1/2. Withdrawals may also forfeit potential interest credits and if taken during the withdrawal charge period may result in the loss of principal.

Aviva does not authorize its agents, employees or representatives to give legal, tax or accounting advice. The information contained herein is our understanding of the current laws as they relate to annuities. These laws are subject to change in the future. Please consult your personal advisor for any tax, legal or accounting advice to determine if a single premium immediate annuity or a deferred annuity is right for you.



What you can do now

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