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Pitfalls Made By Annuity Shoppers Each type of annuity – fixed, variable, and index – has its own unique pitfalls which need to be taken into consideration. Looking into Single Premium Immediate Annuities Single premium immediate annuities or SPIAs are fixed annuities that are purchased with a single deposit amount and start making payments immediately. Investments in SPIAs are ideal for providing an immediate income in retirement. Insuring for Retirement: Lifetime Annuities Although none of us want to think about getting older, it is important to plan appropriately for our retirement years. Understanding Equity Index Annuities Equity index annuities are annuities that earn interest based on the performance of another financial instrument. Understanding Annuity Tax Deferral Annuities can offer many advantages when compared to other investment instruments. One of these advantages, and some would say the biggest advantage, is tax deferral. Overview of Annuity Types In general, an annuity is a contract in which an investor pays a premium or a series of premiums, and in return the insurer makes a series of income payments. Normally, annuities are purchased to secure future retirement income for individuals. Finding the Best Retirement Annuities Retirement annuities are exactly the investment vehicle that is required to help retirees make this transition in financial priorities. Benefits of Annuity Investment The various annuity investment options, and a brief explanation of the benefits of each type.