Annuities available through Fidelity

Annuities may help you increase and protect your savings or provide guaranteed income for life.


Saving for retirement

Fidelity Personal Retirement Annuity®1,2

Offers tax-deferred savings for retirement and other long-term goals

Minimum Highlights Fees

$10,000



  • Select a single fund or build a custom portfolio using funds or industry sector funds.
  • Any earnings are not taxed until funds are withdrawn so you can trade and rebalance without tax consequences.
  • 0.25%, (0.10% with an initial investment of $1 million or more, or have accumulated $1 million or more)3
  • Fund fees apply

New York Life Premier Variable Annuity–P Series with Investment Preservation Rider–P Series2,4,5

Provides a feature that is designed to protect 100% of the original investment against market declines while simultaneously providing an opportunity for growth

Minimum Highlights Fees

$25,000


  • Guarantees the return of your initial investment at the end of the 10-year holding period, regardless of market performance (less the impact of any withdrawals).
  • Potential to grow your assets and outpace inflation with Fidelity® VIP FundsManager® 60%.6
  • Access the account value as needed7 (guaranteed amount will be reduced and surrender charges may apply).
  • 1.90%
  • Fund fees also apply

Deferred fixed annuities8

Offer a guaranteed rate of return for a set period of time

Minimum Highlights Fees

$5,000

(Varies by product)

  • The interest rate is guaranteed for the initial 3 to 10 year period you select.
  • Any earnings are not taxed until funds are withdrawn.
  • Competitive rates are available from reputable providers.
  • Interest rate is net of implicit fees
  • Market value adjustment (MVA) and/or surrender charges may apply8


Approaching retirement

Deferred income annuities9

Offer guaranteed income for the rest of your life or a set period of time, starting on a date you select,10 2 to 40 years in the future11

Minimum Highlights Fees

$10,000

  • Income start date can be changed up to 2 times12 and additional premium payments in the deferral period13 can boost future income.
  • Optional cost of living adjustment and beneficiary protection are available.
  • Competitive rates are available from reputable providers.
  • Income payments are net of implicit fees

New York Life Clear Income Fixed Annuity–FP Series14,15

Offers guaranteed lifetime income and ability to access assets if your plans change.16

Minimum Highlights Fees

$50,000


  • Guarantees lifetime income, starting immediately or in the future. If you choose to receive income in the future, you will receive higher income the longer you defer, up to 10 years.
  • Your contract accumulation value grows at an interest rate that is guaranteed for 7 years and will adjust annually afterward.
  • Income payments are net of fees
  • Annual fee is 0.75% of accumulation value
  • MVA and/or surrender charges may apply


Living in retirement

Immediate fixed income annuities

Offer guaranteed income for the rest of your life or a set period of time that starts within 12 months11

Minimum Highlights Fees

$10,000



  • Guaranteed income is available for you individually, or for you and another person.
  • Optional cost of living adjustments and beneficiary protection are available.
  • Competitive rates are available from reputable providers.
  • Income payments are net of fees
  • Surrender charges may apply

Get in touch

Contact us to get help and answers.

Open an annuity

800-345-1388

Questions about an
existing annuity?

800-634-9361