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 can guarantee 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 investment strategy. You decide how much to contribute and where it is invested. Your retirement savings can grow tax-deferred until you withdraw your money or begin receiving a stream of income payments.

Flexible-Premium Deferred Annuities: A deferred annuity is an annuity that delays income payments until the holder chooses to receive them. 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 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. Immediate annuities are most commonly purchased by people who have accumulated a sum of money and are ready for retirement.

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