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Annuity payout options - How to choose?

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One of the most important benefits of deferred annuities is your ability to use the value built up during the accumulation period to give you a lump sum payment or to make income payments during the payout period. Income payments are usually made monthly but you may choose to receive them less often. The size of income payments is based on the accumulated value in your annuity and the annuity’s benefit rate in effect when income payments start. The benefit rate usually depends on your age and sex, and the annuity payment option you choose. For example, you might choose payments that continue as long as you live, as long as your spouse lives or for a set number of years.

There is a table of guaranteed benefit rates in each annuity contract. Most companies have
current benefit rates as well.

The company can change the current rates at any time, but the current rates can never be less than the guaranteed benefit rates. When income payments start, the insurance company generally uses the benefit rate in effect at the time to figure the amount of your income payment.

Companies may offer various income payment options. You (the owner) or another person
that you name may choose the option.
Source: © 2025 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

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
#Annuitypayoutoptions #annuity #annuitiesexplained

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].
   / @annuitiesexplained  

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).