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.

Lifetime income

A guaranteed income stream for life or the life of you and a spouse.

Optional features include beneficiary protection or a cost of living adjustment to help keep pace with inflation.

Steady, predictable payments provide security, regardless of market fluctuations.

Annuity details

May be appropriate for

Investors who want to turn a portion of savings into a stream of income payments beginning in 13 months to 40 years3.

Key features and benefits

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

Eligible to be a Qualified Longevity Annuity Contract (QLAC)

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.

One way to secure retirement income
Read this Fidelity Viewpoints® article to learn how to use Qualified Longevity Annuity Contracts (QLACs) to turn some of your traditional IRA or 401(k) into a lifetime income later in life.

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.