When Income For Life Matters Most.

Annuities are financial tools that can be used for receiving potential guaranteed income in retirement. Various types of annuities let you choose which benefits matter most and how often you are paid. All are tax-friendly, meaning you don't pay taxes on them until you receive your annuity or income payments, which are usually when you're in retirement and could be taxed at a lower rate. Allstate offers a variety of solutions from leading financial service providers, so you have many options when deciding what type of annuity is right for you.

How Annuities Work.

Learning more about annuities can help you understand what options are available to you. An Allstate personal financial representative can answers questions you have about the following features:

Lasting income: An annuity is a contract between you and an insurance company. They invest your money and provide a regular source of income that you can receive a paycheck for life, depending on the contract selections you make.

Tax advantages: Your earnings are not taxed until withdrawn. This means that when you typically start receiving your annuity or income payments, they could be taxed at a lower rate, making annuities an attractive savings option for retirement.1

Variable payment periods: You can structure your annuity so that you can get a paycheck for life or for a set period of time. With some annuities, income can be extended to your spouse after you die.

Explore Different Types Of Annuities.

Not all annuities are alike. Allstate offers different types of annuities to help you grow your retirement savings:

Single premium immediate annuity: As the name implies, this annuity offers you income options right away so that you can start receiving payments after you make your initial investment. Immediate annuities are a great option for those who are closer to approaching retirement.

Fixed annuity: A low-risk option that guarantees a fixed interest rate over a specific time period and offers low investment minimums.

Index and equity-linked annuity: A without-risk-to-principal option that offers the benefits of both fixed and variable annuities. This type of annuity provides the potential for higher gains as the stock market rises as well as a guaranteed minimum return.

Variable annuity: A type of annuity with a variable return based on market performance

Talk to an Allstate personal financial representative to learn more about annuities and

1 Distributions taken prior to annuitization are generally considered to come from the gain in the contract first. If the contract is tax-qualified, generally withdrawals are treated as distributions of gain. Withdrawals of gain are taxed as ordinary income and, if taken prior to age 59 1/2, may be subject to an additional 10% federal tax penalty.
Please note that Allstate Life Insurance Company or its agents and representatives cannot give legal or tax advice. The brief discussion of taxes on this page may not be complete or current. The laws and regulations are complex and subject to change. For complete details consult your attorney or tax advisor.

Variable annuities are long-term investments designed for retirement purposes. You should carefully consider the investment objectives, risks, charges and expenses of the investment options before purchasingThese contracts have limitations and are sold by prospectus only. The prospectus contains important information about the annuity contract, including fees and charges, investment options, death benefits, and annuity payout options. Optional income riders carry additional costs and may have limitations or restrictions. To obtain a prospectus or the underlying portfolio prospectuses, please contact your Allstate Personal Financial Representative. Please read the product prospectuses carefully before purchasing a contract or sending money. Guarantees offered are subject to the claims-paying ability of the issuing company.

Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA and SIPC, Main Office: 2920 South 84th Street, Lincoln, NE 68506, 877-525-5727. Check the background of this firm on FINRA's BrokerCheck website.

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