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Annuity vs CD 6.58% = 5% at 24% explained

The annuity's tax-deferred status allows more money to compound over time, which can lead to greater wealth accumulation for long-term goals compared to a CD, where interest is taxed annually.

Annuities are specifically designed for retirement, offering unique features such as the option to convert the accumulated value into a guaranteed lifetime income stream, which CDs cannot provide.

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CDs generally impose less severe early withdrawal penalties (e.g., a few months of interest). Annuities have strict surrender charges for withdrawals made within the initial term (often 3-10 years) and an additional 10% IRS penalty if withdrawn before age 59.5, making them less suitable for short-term needs.


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CDs offer the robust, explicit protection of federal insurance ($250,000 limit), which is a key advantage in terms of security. Annuities are backed by the claims-paying ability of the issuing insurance company and state guaranty associations, which provide a different level of protection.

Jeff McLeod, LUTC
800-286-1812
ARKANSAS LICENSED INSURANCE PRODUCER # 558629

NATIONAL LICENSED INSURANCE SALES PRODUCER #558629

CA Lic # OE44103 FL Lic # A174039 TX Lic # 901162
#AnnuityvsCD #annuity #annuities #TaxableEquivalentYield

Important Disclaimer: This video is for informational and educational purposes only and does not constitute a personalized quote, recommendation, or solicitation to purchase an annuity or any insurance product. It references the NAIC Annuity Buyer's Guide (2007, 2020 edition, available at https://content.naic.org/) for consumer education on key topics like fees, risks, and alternatives — download your free copy there for full details. Source: © 2025 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

Annuity rates, payouts, features, and availability vary significantly based on individual factors including age, health, state of residence, carrier, market conditions, and economic factors. Hypothetical examples (e.g., yields or payouts) are based on historical averages or general ranges and are not guarantees of future performance.

Key Considerations & Risks (Per NAIC Buyer's Guide & State Laws): Annuities may involve surrender charges (up to 10% in early years), mortality & expense fees (1–2% annually), and other costs that could reduce returns.

Withdrawals before age 59½ may incur a 10% IRS penalty plus ordinary income taxes. Not FDIC-insured; backed solely by the insurer's claims-paying ability (check A.M. Best ratings).
Annuities may not be suitable for everyone — evaluate liquidity needs, investment goals, tax implications, and alternatives like CDs, IRAs, or bonds. Not a substitute for professional financial advice.

Conflicts of Interest: As a licensed insurance producer, I (Jeff McLeod) may receive commissions on suitable products recommended through consultations. Produced by Jeff McLeod, Licensed Insurance Producer in AR # 558629 CA 0E44103, TX 901162 FL A174039 and other states.

Completed NAIC Annuity Best Interest Training (4–8 hours, state-specific, 2025). For personalized quotes or advice compliant with your state's regulations (e.g., CA DOI, TX TDI, FL OIR, AR AID), contact me directly:

Call/Text 501-658-9882

Schedule: calendar.app.google/HPsxFSoFZEBujLfD8

Email: [email protected].
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Rates and products change; consult me for current details. Questions? File a complaint with your state's DOI: insurance.arkansas.gov (AR), insurance.ca.gov (CA), tdi.texas.gov (TX), floir.com (FL).