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Deferred Income Annuities

Available through The Fidelity Insurance Network®,1 deferred income annuities provide you, or you and your spouse, with guaranteed2 income for the rest of your life.

Turn a portion of savings into a stream of income payments, beginning 13 months to 40 years from your first premium payment.3

Annuity features

May be appropriate for

Investors who want a predictable income stream beginning on a future date

Key features

Predictable, guaranteed2 lifetime income (with limited or no access to assets)

Security of payments beginning on a date you select4

One-time ability to change the income start date5

Ability to make additional premium payments during the deferral period6 to increase future income

Optional cost of living adjustment and protection for your beneficiaries

Easy to understand and integrate into your income strategy

Minimum investment


Annuity choices Compare Deferred Income Annuities.

Next steps

Deferred Income Annuities video (2:37) Learn more about how deferred income annuities can provide future guaranteed lifetime income.

Call us at 866-450-3909
to buy a deferred income annuity or find out more.

Guaranteed Income Estimator Get a ballpark figure for your monthly income with a deferred income annuity.

Additional resources

Create future retirement income
Wondering if a deferred income annuity is right for you? In this Fidelity Viewpoints® article, we'll discuss how deferred annuities work and the role they play in a retirement income plan.

Smart strategies for retirement income
Read this Fidelity Viewpoints® article about how a mix of investments can help provide income and growth potential in retirement.

Deferred Income Annuities FAQs
Need more information? Visit our frequently asked questions.

Qualified Longevity Annuity Contracts (PDF)
Create future lifetime income—starting after the minimum required distribution age of 70½.

Deferred Income Annuity contracts are irrevocable, have no cash surrender value and no withdrawals are permitted prior to the income start date.
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.
3. Issuing insurance company reserves the right to limit contributions.
4. Restrictions may apply. Please refer to product materials for additional details.
5. Restrictions may apply depending on payment option and/or contract type selected. The new income amount will be determined by the issuing insurance company. Please refer to the product materials for additional details.
6. Minimum subsequent premium amounts and limitations to when they are allowed prior to income start date may apply.