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Deferred Fixed Annuities

Available through The Fidelity Insurance Network®, deferred fixed annuities1 offer a guaranteed2 rate of return for a set period of time.

Annuity features

May be appropriate for

Investors looking for a tax-deferred investment with a fixed rate of return.

Key features

Choose from annuities that are simple and easy to compare.1

Fixed rate of return, regardless of market volatility

3- to 10-year initial rate guarantee

Tax-deferred investment growth

No IRS contribution limits3

At the end of the rate guarantee period, your options may include:

  • Renewing or exchanging your annuity.4
  • Moving the assets to an IRA (for pre-tax dollars only).
  • Using the assets to generate an income stream.5
Minimum investment

Generally $10,000; varies by product

Rates of return

Find rates for your state of residence.

Annuity choices

Compare Deferred Fixed Annuities.

Next step

Call us at 800-544-4702
to buy a Deferred Fixed Annuity or find out more.

Additional resources

Saving for retirement with deferred fixed annuities (PDF)
Learn more about what deferred fixed annuities can offer.

Deferred Fixed Annuity FAQs
Need more information? Visit our frequently asked questions.

1. Fixed annuities available at Fidelity are issued by third-party insurance companies, which are not affiliated with any Fidelity Investments company. These products are distributed by Fidelity Insurance Agency, Inc., and, for certain products, Fidelity Brokerage Services, Member NYSE, SIPC. A contract’s financial guarantees are solely the responsibility of and are subject to the claims-paying ability of the issuing insurance company.
2. Guarantees are subject to the claims-paying ability of the issuing insurance company. Principal and interest are guaranteed if held for the length of the guarantee period.
3. Fidelity Insurance Network providers reserve the right to limit contributions.
4. Before exchanging, check with your current provider to see if it will assess a surrender charge, and also consider the existing benefits and features you may lose in an exchange, which may be of particular importance if poor market conditions.
5. Withdrawals of taxable amounts from an annuity are subject to ordinary income tax, and, if taken before age 59½, may be subject to a 10% IRS penalty.

Before investing, consider the investment objectives, risks, charges, and expenses of the annuity and its investment options. Call or write to Fidelity or visit Fidelity.com for a free prospectus and, if available, summary prospectus containing this information. Read it carefully.