Tax-deferred Future Income

An annuity is a long-term, tax-deferred insurance contract designed for retirement. It allows you to create a fixed stream of income during your retirement through a process called annuitization. When you are ready, during retirement or for other needs, an annuity can become an income stream. To learn more, you'll want to discuss with a financial professional.

Fixed Annuities

Fixed annuities provide a fixed rate of return based on the terms of your contract. They have less risk because your premium is protected from any potential loss and they also come with guarantees which depend on the financial strength of the issuing company.



An annuity is a long-term, tax-deferred investment designed for retirement that will fluctuate in value. It allows you to create a fixed or variable stream of income through a process called annuitization. If you decide to take your money out early, you may face fees called surrender charges. Plus, if you're not yet 59½, you may also have to pay an additional 10 percent tax penalty on top of ordinary income taxes. You should also know that an annuity contains guarantees and protections that are subject to the issuing insurance company’s ability to pay for them. An annuity is a contract between you and an insurance company.

Products and financial services provided by American United Life Insurance Company®, a OneAmerica® company.

All guarantees are subject to the claims-paying ability of the issuing insurance company.

Provided content is for overview and informational purposes only and is not intended as tax, legal fiduciary or investment advice.


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