{"id":187064,"date":"2025-04-22T05:57:53","date_gmt":"2025-04-22T05:57:53","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/what-is-a-variable-annuity-and-how-does-it-work\/"},"modified":"2025-04-22T05:57:53","modified_gmt":"2025-04-22T05:57:53","slug":"what-is-a-variable-annuity-and-how-does-it-work","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/what-is-a-variable-annuity-and-how-does-it-work\/","title":{"rendered":"What is a variable annuity and how does it work?"},"content":{"rendered":"<p>What is a variable annuity and how does it work?<\/p>\n<p>When planning for retirement, it&#8217;s crucial to explore various investment options that can provide you with a steady income stream. One popular choice is a variable annuity. Essentially, a variable annuity is a contract between you and an insurance company that offers both investment and insurance features. It allows you to accumulate funds over time until you&#8217;re ready to receive regular income payments during retirement.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-variable-annuity-and-how-does-it-work\/#How_does_a_variable_annuity_work\" title=\"How does a variable annuity work?\">How does a variable annuity work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-variable-annuity-and-how-does-it-work\/#What_makes_a_variable_annuity_different_from_other_annuities\" title=\"What makes a variable annuity different from other annuities?\">What makes a variable annuity different from other annuities?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-variable-annuity-and-how-does-it-work\/#What_are_the_benefits_of_a_variable_annuity\" title=\"What are the benefits of a variable annuity?\">What are the benefits of a variable annuity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-variable-annuity-and-how-does-it-work\/#Are_there_any_downsides_to_investing_in_a_variable_annuity\" title=\"Are there any downsides to investing in a variable annuity?\">Are there any downsides to investing in a variable annuity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-variable-annuity-and-how-does-it-work\/#Can_I_choose_how_my_money_is_invested_within_a_variable_annuity\" title=\"Can I choose how my money is invested within a variable annuity?\">Can I choose how my money is invested within a variable annuity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-variable-annuity-and-how-does-it-work\/#When_can_I_start_receiving_income_from_my_variable_annuity\" title=\"When can I start receiving income from my variable annuity?\">When can I start receiving income from my variable annuity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-variable-annuity-and-how-does-it-work\/#What_happens_to_my_variable_annuity_if_I_pass_away\" title=\"What happens to my variable annuity if I pass away?\">What happens to my variable annuity if I pass away?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-variable-annuity-and-how-does-it-work\/#Can_I_make_additional_contributions_to_my_variable_annuity\" title=\"Can I make additional contributions to my variable annuity?\">Can I make additional contributions to my variable annuity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-variable-annuity-and-how-does-it-work\/#Is_there_a_maximum_limit_to_how_much_I_can_invest_in_a_variable_annuity\" title=\"Is there a maximum limit to how much I can invest in a variable annuity?\">Is there a maximum limit to how much I can invest in a variable annuity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-variable-annuity-and-how-does-it-work\/#What_are_surrender_charges\" title=\"What are surrender charges?\">What are surrender charges?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-variable-annuity-and-how-does-it-work\/#Can_I_transfer_my_variable_annuity_to_another_insurance_company\" title=\"Can I transfer my variable annuity to another insurance company?\">Can I transfer my variable annuity to another insurance company?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-variable-annuity-and-how-does-it-work\/#Are_variable_annuities_suitable_for_everyone\" title=\"Are variable annuities suitable for everyone?\">Are variable annuities suitable for everyone?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"How_does_a_variable_annuity_work\"><\/span>How does a variable annuity work?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA variable annuity works by allowing you to invest your money in a selection of mutual funds or other investment options. The value of these investment options fluctuates depending on market performance. The growth of your investment will determine your future income stream.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_makes_a_variable_annuity_different_from_other_annuities\"><\/span>What makes a variable annuity different from other annuities?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nUnlike fixed annuities that offer a guaranteed fixed return, a variable annuity&#8217;s return is dependent on the performance of the underlying investments you choose.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_the_benefits_of_a_variable_annuity\"><\/span>What are the benefits of a variable annuity?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nVariable annuities offer the potential for growth as they allow you to invest in market-based investments. They also provide tax-deferred growth, meaning you won&#8217;t pay taxes on your earnings until you withdraw them.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_there_any_downsides_to_investing_in_a_variable_annuity\"><\/span>Are there any downsides to investing in a variable annuity?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nVariable annuities come with certain fees and expenses, including management fees and mortality and expense charges. Additionally, there is no guarantee on your principal investment, and if the underlying investments perform poorly, your account value may decrease.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_choose_how_my_money_is_invested_within_a_variable_annuity\"><\/span>Can I choose how my money is invested within a variable annuity?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, variable annuities typically offer a variety of investment options, such as mutual funds with different asset allocations. You have the flexibility to select the investments that align with your financial goals and risk tolerance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"When_can_I_start_receiving_income_from_my_variable_annuity\"><\/span>When can I start receiving income from my variable annuity?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYou can start receiving income from your variable annuity after a designated accumulation phase. This phase can last for a specific number of years or until you reach a certain age, such as 59 \u00bd. During the income phase, you can choose to receive regular payouts or elect a lump sum.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_happens_to_my_variable_annuity_if_I_pass_away\"><\/span>What happens to my variable annuity if I pass away?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn the event of your death, a variable annuity can offer a death benefit to your beneficiaries. The amount they receive will depend on the terms and conditions of your annuity contract.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_make_additional_contributions_to_my_variable_annuity\"><\/span>Can I make additional contributions to my variable annuity?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nMost variable annuities allow for additional contributions beyond the initial investment. These additional contributions can help boost the value of your annuity over time.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Is_there_a_maximum_limit_to_how_much_I_can_invest_in_a_variable_annuity\"><\/span>Is there a maximum limit to how much I can invest in a variable annuity?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThere is typically no maximum limit to how much you can invest in a variable annuity. However, there may be minimum investment requirements set by the insurance company offering the annuity.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_are_surrender_charges\"><\/span>What are surrender charges?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nSurrender charges are fees imposed by the insurance company if you withdraw money from your variable annuity before a specified period, known as the surrender period. These charges gradually decrease over time and eventually disappear.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_transfer_my_variable_annuity_to_another_insurance_company\"><\/span>Can I transfer my variable annuity to another insurance company?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, it is possible to transfer your variable annuity to another insurance company through a process known as a 1035 exchange. However, it is essential to review the terms of the transfer and potential fees or penalties before making any decisions.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_variable_annuities_suitable_for_everyone\"><\/span>Are variable annuities suitable for everyone?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nVariable annuities are not suitable for everyone. They are typically more suitable for individuals who have a longer investment horizon and are comfortable with market volatility. It&#8217;s important to assess your financial goals, risk tolerance, and overall financial situation before investing in a variable annuity.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is a variable annuity and how does it work? When planning for retirement, it&#8217;s crucial to explore various investment options that can provide you with a steady income stream. One popular choice is a variable annuity. Essentially, a variable annuity is a contract between you and an insurance company that offers both investment and &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"What is a variable annuity and how does it work?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-variable-annuity-and-how-does-it-work\/#more-187064\">Read more<span class=\"screen-reader-text\">What is a variable annuity and how does it work?<\/span><\/a><\/p>\n","protected":false},"author":48,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-187064","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is a variable annuity and how does it work?<\/title>\n<meta name=\"description\" content=\"What is a variable annuity and how does it work? When planning for retirement, it&#039;s crucial to explore various investment options that can provide you\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/namso-gen.co\/blog\/what-is-a-variable-annuity-and-how-does-it-work\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is a variable annuity and how does it work?\" \/>\n<meta property=\"og:description\" content=\"What is a variable annuity and how does it work? 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