At What Age Does an Annuity Make Sense?

Shawn Plummer

CEO, The Annuity Expert

Fixed Index Annuity at Age 50

  • Ideal for Preservation: Suitable if you aim to preserve accumulated savings.
  • Balancing Investment and Security: Provides an investment opportunity while ensuring no loss of money.

Annuity for Guaranteed Retirement Income Starting at Age 40

  • Early Purchase Benefits: Maximizes retirement income through early purchase.
  • Deferral Advantage: The longer the deferral period, the higher the income payment with minimal investment.

Annuity Calculator

  • Personalized Analysis: Use the annuity calculator to determine the ideal age for an annuity based on individual circumstances.
  • Link: Annuity Calculator
What Age Does An Annuity Make Sense

Annuity Age Consideration

Age RangeAnnuity TypePurposeBenefit
40+Guaranteed RetirementMaximizing retirement incomeHigher income with longer deferral
50+Fixed IndexPreserving savingsInvestment with no loss of principal


Choosing the right age for an annuity depends on individual financial goals and circumstances. Whether preserving savings at 50 with a Fixed Index Annuity or seeking guaranteed income from 40, an annuity can be a strategic part of retirement planning. Use our annuity calculator for a tailored decision. Contact us today for a free quote.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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