Are Annuities Right for You?

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Take our ten-question quiz, brought to you by Kiplinger, to see how much you know about these products and whether you should invest in them.

All annuity payouts begin immediately after purchase.
One way to guarantee that you won’t outlive your money is to use a portion of your retirement savings to buy an immediate annuity.
If a 65-year-old man were to invest $100,000 in an immediate annuity today, how much would he receive in annual payouts?
Annuities are new financial products created in response to stock market volatility, disappearing pensions and Americans’ increased appetite for guaranteed income for life.
Who would generally receive the larger annual payments from an immediate annuity purchased from an insurance company: A 65-year-old man or a 65-year-old woman?
When it comes to buying an immediate annuity, age matters. At what age would you receive the highest annual payout based on the same initial investment?
Most immediate annuity payments increase with inflation.
In most cases, deferred annuities are liquid investments that allow you to cash out your contract and get ALL your money back at any time, regardless of your age.
Some deferred annuities can protect you from stock market losses.
What happens to the money you have invested in an annuity if the insurance company goes under?

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W.M. Durham Associates LLC

2010 Raymond Diehl Rd., Ste. 102

Tallahassee, FL 32308

Ph:  850-385-3578

Toll Free:  800-396-3420

Fax:   800-372-3220


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W.M. Durham Associates LLC is an independent financial services firm that creates retirement strategies using a variety of investment and insurance products.  Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Any references to protection benefits or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.  WM Durham Associates LLC nor any of its employees provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.


W.M. Durham Associates LLC is not affiliated with or endorsed by any government agency, including the Florida Retirement System (FRS).

All material should be regarded as general information.​​

2021 W.M. Durham Associates LLC