What is a structured annuity?

Structured notes are bank debt obligations that return principal plus interest linked to underlying markets while still providing some downside protection. Structured annuities are similar to structured notes, but offer the potential for tax-deferred growth. (Related: Why Do People Hate Immediate Annuities?) How do they compare to other annuities?

Are structured annuities a good investment?

Structured annuities, also known as buffered annuities, provide a balanced investment approach. They offer growth potential while protecting against downside risk. These insurance products are linked to market indices like the S&P 500, allowing you to participate in market gains while minimizing losses.

Do structured annuities offer lifetime payments?

Yes, some structured annuities do offer lifetime payments. These are lifetime income annuities and will pay you a regular income for the rest of your life. However, not all structured annuities have this option, so you must check with your chosen provider before making an investment decision.