{"id":20516,"date":"2022-03-02T17:00:43","date_gmt":"2022-03-02T22:00:43","guid":{"rendered":"https:\/\/lifehappens.org\/?page_id=20516"},"modified":"2023-07-12T12:59:24","modified_gmt":"2023-07-12T16:59:24","slug":"do-i-need-an-annuity","status":"publish","type":"page","link":"https:\/\/lifehappens.org\/annuity-101\/do-i-need-an-annuity\/","title":{"rendered":"Do I need an annuity?"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_row _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; min_height=&#8221;78.9px&#8221; custom_margin=&#8221;|auto||auto|false|false&#8221; custom_padding=&#8221;0px|0px||0px|false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; custom_padding=&#8221;0px||||false|false&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_text _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n[et_pb_section global_module=\"20507\"][\/et_pb_section]\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"et_pb_section et_pb_section_1 et_section_regular\" >\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_row et_pb_row_0 et_pb_gutters3\">\n\t\t\t\t<div class=\"et_pb_column et_pb_column_4_4 et_pb_column_0  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_module et_pb_text et_pb_text_0  et_pb_text_align_left et_pb_bg_layout_light\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_text_inner\"><p>The right answer depends on many factors. In general, annuities are designed for those who foresee a gap in their retirement income. Annuities can address these gaps with guaranteed income.<\/p>\n<p>An annuity may be right for you if:<\/p><\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div><div class=\"et_pb_row et_pb_row_1 et_pb_equal_columns\">\n\t\t\t\t<div class=\"et_pb_column et_pb_column_1_3 et_pb_column_1  et_pb_css_mix_blend_mode_passthrough\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_module et_pb_text et_pb_text_1  et_pb_text_align_left et_pb_bg_layout_light\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_text_inner\"><span style=\"border-radius: 1.4em; border:2px solid #00c67f; display: inline-block; line-height: 2.4em; width: 2.6em; text-align:center;\" >1<\/span><\/div>\n\t\t\t<\/div><div class=\"et_pb_module et_pb_text et_pb_text_2  et_pb_text_align_left et_pb_bg_layout_light\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_text_inner\"><strong>You\u2019re looking for peace of mind in retirement.<\/strong><\/p>\n<p>If you want to know for certain that you won\u2019t run out of money in retirement, annuities can help. They provide similar predictability and guarantees as Social Security (a type of government annuity) with more options.<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div><div class=\"et_pb_column et_pb_column_1_3 et_pb_column_2  et_pb_css_mix_blend_mode_passthrough\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_module et_pb_text et_pb_text_3  et_pb_text_align_left et_pb_bg_layout_light\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_text_inner\"><span style=\"border-radius: 1.4em; border:2px solid #00c67f; display: inline-block; line-height: 2.4em; width: 2.6em; text-align:center;\" >2<\/span><\/div>\n\t\t\t<\/div><div class=\"et_pb_module et_pb_text et_pb_text_4  et_pb_text_align_left et_pb_bg_layout_light\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_text_inner\"><strong>You\u2019re starting to plan for retirement.<\/strong><\/p>\n<p>If you\u2019re currently developing a strategy for how and when you\u2019ll retire, now\u2019s the time to think about annuities. This generally applies to people age 50 and above, although today annuities are capturing the attention of those who are younger, too.<\/div>\n\t\t\t<\/div>\n\t\t\t<\/div><div class=\"et_pb_column et_pb_column_1_3 et_pb_column_3  et_pb_css_mix_blend_mode_passthrough et-last-child\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_module et_pb_text et_pb_text_5  et_pb_text_align_left et_pb_bg_layout_light\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_text_inner\"><span style=\"border-radius: 1.4em; border:2px solid #00c67f; display: inline-block; line-height: 2.4em; width: 2.6em; text-align:center;\" >3<\/span><\/div>\n\t\t\t<\/div><div class=\"et_pb_module et_pb_text et_pb_text_6  et_pb_text_align_left et_pb_bg_layout_light\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"et_pb_text_inner\"><p><strong>Other reasons to look at annuities:<\/strong><\/p>\n<p><em>Deferred annuities<\/em> \u2014 annuities that pay income at a later date \u2014 also offer tax advantages. Finally, annuities offer a convenient, private way to transfer wealth to your heirs.<\/p><\/div>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n","protected":false},"author":39,"featured_media":0,"parent":19384,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-20516","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.8 (Yoast SEO v23.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do I need an annuity? &#8211; Life Happens<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lifehappens.org\/annuity-101\/do-i-need-an-annuity\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Do I need an annuity?\" \/>\n<meta property=\"og:description\" content=\"[et_pb_fullwidth_module_placeholder selected_tabs=&quot;all&quot;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lifehappens.org\/annuity-101\/do-i-need-an-annuity\/\" \/>\n<meta property=\"og:site_name\" content=\"Life Happens\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/lifehappens.org\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-12T16:59:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lifehappens.org\/wp-content\/uploads\/2021\/06\/og_image_LifeHappens_logo.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@lifehappens\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/lifehappens.org\/annuity-101\/do-i-need-an-annuity\/\",\"url\":\"https:\/\/lifehappens.org\/annuity-101\/do-i-need-an-annuity\/\",\"name\":\"Do I need an annuity? 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