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The way you live today has considerable impact on how you live tomorrow. That means if you want a relaxing and financially secure retirement, you have to plan now. If you're still young, you can enjoy the huge benefits of compound interest even more than someone closer to retirement.

An annuity is a long-term investment designed for retirement purposes. When annuitized, it can guarantee1 a stream of retirement income that helps you maintain a comfortable lifestyle for the rest of your life. The type of annuity that’s best for you depends on whether you want control over how your contributions are invested and how you would prefer to pay them.

Flexible-Premium Deferred Variable Annuities

A flexible-premium deferred variable annuity lets you determine your own strategy within the annuity's investment subaccounts. You decide how much to contribute and how it is allocated among the available investment options. Your retirement savings can grow tax-deferred until you withdraw your money or begin receiving a stream of income payments. There is no guarantee of the investment performance or safety of the investment options. Investment return and principal value in an investment in a variable annuity will fluctuate, so units, when redeemed, may be worth more or less than their original cost.

Flexible-Premium Deferred Annuities

With a flexible-premium deferred annuity, you have the flexibility to make contributions as frequently or infrequently as you wish, within certain limits. All contributions grow on a tax-deferred basis until you withdraw your money or begin receiving a stream of income payments.

Single-Premium Deferred Annuities

A single-premium deferred annuity allows for one single, lump-sum contribution. Your money grows tax-deferred until you withdraw it or begin receiving a stream of income payments.

Single-Premium Immediate Annuities

Unlike a deferred annuity, an immediate annuity generates income payments one period after you purchase the annuity. Single-premium immediate annuities allow you to set up an immediate, steady income stream with a one-time, lump-sum contribution.


1Guarantees are based on the claims-paying ability of the issuer.

The product information contained in is a summary of available benefits. The exact terms of the benefits and the applicable provisions and conditions are contained in the policy. Any policy contains terms under which it may be continued inforce or discontinued.

Fixed annuities discussed in this Web site are issued by Western-Southern Life Assurance Company, Cincinnati, Ohio. Variable annuities discussed in this Web site are issued by Integrity Life Insurance Company, Cincinnati, Ohio. Securities are offered through W&S Brokerage Services, Inc.* All companies are members of Western & Southern Financial Group. Annuities may not be available in all states or may have different provisions in certain states.

*member FINRA / SIPC

Spokesperson is a compensated endorser.

Financial translator™ is not a professional designation. We speak finance® is a registered trademark, and financial translator™, Western & Southern financial translator™ and Talk to a financial translator today™ are trademarks of The Western and Southern Life Insurance Company.


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Last Updated: 10/13/2016