About ImmediateAnnuities.com

ImmediateAnnuities.com is the website of Hersh Stern and Ariel Stern. From their offices near Princeton, New Jersey, their company has been publishing the Annuity Shopper Buyer's Guide since 1986 and offering leading edge annuity services to tens of thousands of consumers and corporations. Among its many corporate pension clients are companies like Bulova Watch, Coulter Corp., Gumps, McCall's, Richardson-Vicks, Tokio Marine, Velcro Corp., and Wickes Furniture.

During the past decade, ImmediateAnnuities.com has been rated the #1 consumer site for annuities by Google and Trustpilot and featured in numerous articles by the editors of CNN Money, Wall Street Journal, Kiplingers, and Washington Post. We invite you to read these excerpts from the articles below. Please feel free to call our team at 800-872-6684 with any questions about annuities.

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market watch

3 Key Retirement Decisions Affected By Higher Yields

by Christine Benz

Mar. 1, 2024

"A 70-year-old male who put $100,000 into a fixed annuity in 2019 would have received a monthly income of $600 over his lifetime, according to immediateannuities.com."

market watch

3M’s CEO is in line for a $26 million pension — as company freezes the plan for employees

by Brett Arends

Jan. 10, 2024

"...enough to generate a guaranteed lifetime income of $165,000 per month, according to immediateannuities.com."

market watch

Is This the End for High Annuity Yields?

by Brett Arends

Dec. 30, 2023

"Immediateannuities.com, an industry website, lists annuities of 8% and 7.7% for a 65-year-old man and woman, respectively."

kiplinger

Liz Weston: Why retirees may want to buy an immediate annuity now

by Liz Weston

September 17, 2023

"Payouts also depend on the insurer. According to the online marketplace ImmediateAnnuities.com, monthly checks for the couple could range from $513 to $565 a month for the joint life option, depending on the company."

kiplinger

How to Overcome Your Fear and Enjoy Retirement

by Sandra Block

September 6, 2023

"At www.immediateannuities.com, for example, you can provide the amount you’d like to invest, input your age and get an idea of how much income your money will buy."

market watch

Should I follow the 4% rule if I don’t want to leave an inheritance?

by Bret Arends

September 6, 2023

"According to ImmediateAnnuities.com, a man of 65 with $2 million can buy a lifetime annuity right now paying a thumping $12,740 a month."

kiplinger

Charitable Gift Annuities: Benefit Yourself and Your Favorite Charity

by Sandra Block

September 4, 2023

"By comparison, the same investment in an immediate annuity would provide...according to ImmediateAnnuities.com."

yahoo finance

Why Schwab Says Now Is the Right Time to Consider an Annuity

by Patrick Villanova, CEPF

August 25, 2023

"Culling data from immediateannuities.com, Schwab determined income annuities were paying between 6.5% and 7% in January – their highest levels since 2011.;"

kiplinger

Annuities for Dummies

by Kerry Pechter

July 20, 2023

"Immediateannuities.com...is the granddaddy of annuity websites."

barrons

Even So-Called Simple Annuities May Be More Complex Than You Think

by Allan Roth

May 23, 2023

"Ariel Stern, COO of ImmediateAnnuities.com, sent me data illustrating the tight relationship between SPIA payouts and long-term AAA corporate bonds with 20+years maturities."

yahoo finance

Transparency Global Names ImmediateAnnuities.com a Transparency Certified™ Company

by Transparency Global

May 10, 2022

"Transparency Global, a company with a mission to accelerate the world's adoption of transparency, today announced that ImmediateAnnuities.com has become the first online Annuity Brokerage to become Transparency Certified™"

market watch

The Fed raised interest rates – what to do now with your retirement portfolio

by Alessandra Malito

May 6, 2022

"...for example, a 65-year-old male investing $100,000 in an annuity when Moody’s AAA corporate bond yield was 2% would have gotten about $450 per month in guaranteed income, but when that yield jumped 1.4 percentage points, that same investment garnered almost $500, according to ImmediateAnnuities.com"

market watch

Higher interest rates aren’t all bad

by Mark Hulbert

Apr. 8, 2022

"Notice that these payout rates are highly correlated with Moody’s AAA Corporate Bond yield. In 2020, when that yield got down to close to 2%, a 65-year old male investing $100,000 in an annuity could have secured a payout of approximately $450 per month, according to www.ImmediateAnnuities.com."

market watch

Unretirement has a new face — and it’s Tom Brady

by Brett Arends

Mar. 15, 2022

"Out of curiosity I ran annuity numbers for Brady, a 44-year old male, using ImmediateAnnuities.com."

forbes

How To Turn Your Retirement Nest Egg Into Retirement Income

by Erik Carter

Dec. 08, 2021

"On immediateannuities.com, a 65-year old woman living in CA could purchase an immediate annuity for $500,000 that would pay her..."

motley fool

Marshal All Your Resources for a Successful Retirement

by Alison Southwick and Robert Brokamp, CFP

Oct. 19, 2021

"You can actually see some quotes at immediateannuities.com."

richmond dispatch

Kiplinger's Personal Finance: Weighing the pros and cons of annuities

by Editorial Staff

Oct. 2, 2021

" It’s easy to compare payouts from these products at websites like www.immediateannuities.com."

nasdaq

Spend Without Worry in Retirement

by Sandra Block

Aug. 30, 2021

"For example, a 65-year-old man who invests $100,000 in a deferred annuity that starts payments when he turns 80 would receive about $1,568 a month, according to ImmediateAnnuities.com, compared with $485 a month if he were to start payments immediately."

market watch

Opinion: Why retirees are better off safe than sorry

by Mark Hulbert

Aug. 2021

"According to Immediateannuities.com, at current rates you could secure a guaranteed monthly income of...."

market watch

Opinion: Your retirement probably won’t be anything like your parents’…and that’s not good news

by Brett Arends

Sep. 21, 2020

"A man of 65 with that amount of money can buy a lifetime annuity worth, oh, $330 a month according to immediateannuities.com."

market watch

Do you really need $8 million saved up for retirement?

by Mark Hulbert

Sep. 11, 2020

"The data are courtesy of an online comparison tool at ImmediateAnnuities.com."

motley fool

7 Unexpected Sources of Retirement Income

by Selena Maranjian

Aug. 1, 2020

"Data source: immediateannuities.com."

barrons

Annuities Have Long Gotten a Bad Rap. Retirement Experts Now Say Savers Should Consider Basic Options for Guaranteed Income.

by Neal Templin

Jul. 18, 2020

"Numerous top-rated insurers offer them. Consumers can easily comparison-shop them by going on websites like immediateannuities.com."

kiplinger

Annuities: 10 Things You Must Know

by: the editors of Kiplinger's Personal Finance

Jul. 17, 2020

"You can compare how much you’ll receive for different types of payouts at immediateannuities.com."

forbes

Distribution Period - Understanding Guaranteed Income From Deferred Variable Annuities

by Wade Pfau

Jul. 15, 2020

"The immediate annuity payout rates were collected from ImmediateAnnuities.com on January 15, 2019, and they include a cash refund provision to match closer with the death benefit provisions of the variable annuity."

New York Times

Personal Finance Lessons From the Pandemic

by Paul B. Brown

Jul. 9, 2020

"...a month, according to a projection, using current interest rates, from ImmediateAnnuities.com, an independent site that tracks these things."

aarp

Worried About Outliving Your Savings? Longevity Annuities May Help

by Kim Langford

Jun. 29, 2020

"...says Ariel Stern, chief operating officer of ImmediateAnnuities.com."

forbes

Money’s Worth Measures For Income Annuities

by Wade Pfau

Jun. 5, 2020

"For a more practical real-world example of this, in January 2019, the actual payout rate on a life-only immediate annuity for a sixty-five-year-old female as described in Exhibit 4.1 is...according to ImmediateAnnuities.com. "

New York Times

Dealing With the Dark Side of Low Interest Rates

by Jeff Sommer

May 15, 2020

"...a year, in return for a $100,000 payment, according to ImmediateAnnuities.com, an independent site that tracks these rates."

market watch

Plunging annuity rates: A strategy for new retirees

by Brett Arends

April 8, 2020

"Such annuities continue to be offered by insurance companies, but the monthly payouts they generate has collapsed to the lowest levels on record, according to ImmediateAnnuities.com."

New York Times

Retiring Into a Shaky Market? Think Long Term Anyway

by Tara Siegel Bernard

March 7, 2020

"There are cheaper, more straightforward products, however — including single-premium immediate annuities... For a 65-year-old married man and woman, it would cost $200,000 to receive a monthly paycheck of $858... according to a quote on ImmediateAnnuities.com."

motley fool

5 Ways to Make Your Money Work for You

by Selena Maranjian

Feb. 22, 2020

"Annuity calculation source: immediateannuities.com"

the columbian

Personal Finance: Near retirement? An income strategy to help

by Carla Fried

Feb. 16, 2020

"You can get an estimate of possible payouts for your personal situation at Immediateannuities.com."

motley fool

9 Proven Ways to Boost Your Retirement Income

by Selena Maranjian

Feb. 15, 2020

"Annuity calculation source: immediateannuities.com"

kiplinger

10 Moves to Make Sure You Have Enough Money in Retirement

by Sandra Block, Senior Editor

Dec. 26, 2019

"To get an idea of how much you’ll need to invest to get a specific monthly payment, go to immediateannuities.com."

nooz hawk

Karen Telleen-Lawton: Pensions And Divorce

by Karen Telleen-Lawton

Nov. 4, 2019

"You can also check sample prices online at brokers such as immediateannuities.com."

forbes

How To Tell If Your Employer’s Lump Sum Offer Is A Fair Deal - An Actuary-Splainer

by Elizabeth Bauer

Nov. 3, 2019

"It is true that it is possible to assign a monetary value to it; one easy way is to visit the website immediateannuities.com to get sample price quotes."

kiplinger

5 Ways Retirees Can Play Defense With Retirement Portfolios

by Eleanor Laise, Senior Editor

Oct. 29, 2019

"If Social Security, pensions and other guaranteed income sources don’t cover your basic bills, consider a single-premium immediate annuity to fill in the gap. Compare annuity quotes at ImmediateAnnuities.com."

wall street journal

When Annuities Are a Better Deal for Women Than Men

by Benjamin Harris

Oct. 23, 2019

"Quotes from immediateannuities.com, for instance, show that, on average, a $100,000 policy for a 65-year-old women yields..."

motley fool

What an Annuity Is and Why You May Need One

by Selena Maranjian

Oct. 9, 2019

"To get an idea of just how much money a fixed annuity might send your way, check out the table below. Different insurers will offer different sums, and the prevailing economic environment can influence payouts as well. (Data source: immediateannuities.com.)"

san diego union tribune

How to Shop for Variable Annuities

by Mary Kane, Associate Editor

Sep. 30, 2019

"A variable annuity is more appropriate for money you don’t need to access for many years, says Hersh Stern, founder of ImmediateAnnuities.com, an annuity shopping website."

motley fool

5 Reasons to Retire as Early as You Can

by Selena Maranjian

Sep. 25, 2019

"The table below offers an idea of how much you might get from a fixed annuity in today's economic environment, based on some recent quotes (source:immediateannuities.com)."

market watch

Opinion: This annuity will help you live long and prosper

by Howard Gold

Sep. 10, 2019

"Using the calculators on www.immediateannuities.com, I got quotes from several insurers (all rated at least A) for a simple lifetime policy with a 2% annual COLA that offered payout rates ranging from..."

san diego union tribune

Retirement: Think twice about annuities in your plan

by Sandra Block, Senior Editor, Kiplinger

Sep. 3, 2019

"...or you can compare payouts at online brokerage sites such as www.immediateannuities.com."

consumer reports

Why Indexed Annuities May Promise More Than They Deliver

by Penelope Wang

Sep. 2, 2019

"Most investors should stick with a simple, low-cost option, such as a single premium immediate annuity, which gives you a regular monthly check when you invest a lump sum. (You can compare rates at ImmediateAnnuities.com.)"

san diego union tribune

Building a Better 401(k)

by Sandra Block, Senior Editor

Aug. 1, 2019

"...you can compare payouts at online brokerage sites such as immediateannuities.com."

motley fool logo

7 Costly Retirement Mistakes to Avoid

by Selena Maranjian

Jul. 14, 2019

"Here's the kind of income that various people might be able to secure in the form of an immediate fixed annuity in the current economic environment: (Data source: immediateannuities.com.)"

san diego union tribune

Retirement: Pension decision: Lump sum or annuity?

by Eileen Ambrose

Jun. 18, 2019

"To buy an annuity that paid the same amount, you would need $300,000, according to www.immediateannuities.com."

kiplinger

Retirees, Ladder Annuities to Hedge Your Bets

by Mary Kane, Associate Editor

May 29, 2019

"...according to a recent quote from ImmediateAnnuities.com."

kiplinger

How to Protect Your Retirement Portfolio in a Market Downturn

by Carla Fried

May 13, 2019

"You can get estimates of payouts for different amounts at ImmediateAnnuities.com."

kiplinger

What to Do If You Have to Retire Early

by Eileen Ambrose, Senior Editor

May 9, 2019

"To buy an annuity that paid the same amount, you would need $300,000, according to immediateannuities.com."

market watch

Opinion: Investors needing steady income should hope for higher interest rates

by Mark Hulbert

May 7, 2019

"Over the last 15 years, for example, the $100,000 annuity that paid out the most was sold in 2008, when a 65-year old male could have locked in a monthly payout of around $680, according to ImmediateAnnuities.com."

kiplinger

Retirees, Weigh a Pension Lump Sum Offer Carefully

by Eleanor Laise, Senior Editor

Apr. 29, 2019

"Another way to size up the lump sum: Use an online tool such as immediateannuities.com to calculate the monthly income you would receive if you invested the lump sum in an annuity."

forbes

The Tenure Option As An Annuity Alternative

by Wade Pfau

Apr. 25, 2019

"We can compare this rate to annuity quotes with cash refunds offered through ImmediateAnnuities.com for sixty-five-year-olds."

wall street journal

Annuities Are Likely Coming to Your 401(k). Should You Use Them?

by David Blanchett

Apr. 22, 2019

"Regardless, you should probably get a quote from other sources before making the annuity purchase decision. (One example is www.immediateannuities.com..."

kiplinger

Countdown to Retirement: 1 Year Away

by Eileen Ambrose & Sandra Block, Senior Editors

Jan. 3, 2019

"You can get an idea of how much you’ll need to spend to get a specific monthly payout at immediateannuities.com."

virginian pilot

Medically underwritten annuities can boost income for those who qualify

by Janet Kidd Stewart

Dec. 17, 2018

"Hersh Stern, an insurance agent and owner of ImmediateAnnuities.com, urges families to realize their loved one may die before annuity returns even the premium paid."

forbes

How To Turn Your Retirement Nest Egg Into Income

by Erik Carter

Dec. 9, 2018

"On immediateannuities.com, a 65-yr old couple living in CA could purchase an immediate annuity...that would pay them...for as long as they live. "

time

This Is the Only Time You Should Accept an Early Retirement Offer

by Matt Krantz

Oct. 29, 2018

"Check ImmediateAnnuities.com to see how much income you might expect to receive from an annuity."

kiplinger

Retirees: Don’t Overlook Annuities. Really.

by Steven Goldberg

Sep. 20, 2018

"It’s easy to get quotes on immediate fixed annuities. Immediateannuities.com has a simple calculator."

bogleheads

Purchasing annuity for wife

Bogleheads Forum

Sep. 5, 2018

"Helpful to compare SPIA rates. Immediate Annuities.com"

kiplinger

How to Create Your Own Pension

by Sandra Block, Senior Editor

Aug. 30, 2018

"Next, go to www.immediateannuities.com to get an idea of how much you'll need to invest to generate that amount of income."

chicago tribune

5 Easy Ways to Boost Retirement Savings

Kiplinger's Personal Finance

Aug. 8, 2018

"Run your numbers at www.immediateannuities.com. The site can calculate the income you’d receive from a lump sum or what you’d have to invest to get the income you need."

motley fool

How to Build Your Own Pension With Annuities

By Dan Caplinger

May 10, 2018

"...according to recent numbers from the website immediateannuities.com."

forbes

5 Ways To Turn Retirement Savings Into Income

By Erik Carter

Mar. 4, 2018

"According to the annuity site immediateannuities.com, a 65-year-old male in California could get a guaranteed annual income of over..."

kiplinger

5 Ways To Turn Retirement Savings Into Income

By Rachel L. Sheedy

Feb. 1, 2018

"...according to a recent quote on ImmediateAnnuities.com."

investment news

How to fund a Social Security delay

By Mary Beth Franklin

Aug. 11, 2017

"For example, a 65-year-old women could purchase a five-year period certain annuity for $140,000 today to generate about $2,400 per month for the next five years until her maximum Social Security benefits begin at age 70, based on quotes from ImmediateAnnuities.com."

herald tribune

How retired homeowners can avoid running out of money

Jan. 14, 2017

"The available life annuity, obtained from www.immediateannuities.com, would be..."

cnn money

Should I take my pension as a lump sum or lifetime payments?

Dec. 22, 2016

"You can get an idea of what size annuity payment your lump sum might buy from a private insurer by going to a site like ImmediateAnnuities.com."

st louis dispatch

For retirees, immediate annuities provide a check for life

Nov. 12, 2016

"For instance, a healthy 65-year-old with $100,000 to put down would get an income of about $525 per month, with a 2 percent yearly inflation adjustment, according to quotes gathered from immediateannuities.com."

moneywatch

A retirement income strategy for do-it-yourselfers

Oct. 19, 2016

"To minimize your transaction costs and obtain a competitive bid, consider using an online annuity bidding service such as...immediateannuities.com."

time

Should Your 401(k) ‘Nudge’ You Into an Annuity?

Aug. 3, 2016

"To see how much a given sum will generate in monthly lifetime payments given your age and gender, check out this annuity payment calculator from Immediateannuities.com."

moneywatch

Should you save enough to live to 100?

Jul. 19, 2016

"...with increases tied to the Consumer Price Index, according to ImmediateAnnuities.com, an annuity marketplace."

bottom line

Retirement Income for Life

Jul. 15, 2016

"Check quotes for QLACs from various insurers at ImmediateAnnuities.com."

herald tribune

The advantages of a preferred stock strategy

May 30, 2016

"Recently, at www.immediateannuities.com a 65-year-old man with a 61-year-old spouse could get an estimated (non-inflation protected) monthly income of..."

la times

The pros and cons of converting life insurance to an annuity

Apr. 3, 2016

"You can compare offers at www.immediateannuities.com."

time

How to Retire Well No Matter What Happens in the Market

Mar. 22, 2016

"You can get quotes at ImmediateAnnuities.com."

cnn money

Should I move my $500,000 retirement stash into annuities?

Mar. 16, 2016

"You can compare quotes from different insurers by going to a site such as Immediateannuities.com..."

dallas morning news

Annuity ‘income’ isn’t magic: most of it is your own money

Mar. 10, 2016

"You can play with this by making a visit to immediateannuities.com, a website that offers different forms of annuities."

us news

How to get guaranteed retirement income for life

Feb. 17, 2016

"...and continue for as long as she lives, according to ImmediateAnnuities.com."

cnn money

How to get guaranteed retirement income for life

Jan. 20, 2016

"You can get information and quotes from a variety of insurers by going to an online site like Immediateannuities.comm..."

huffington post

How Retirees Can Avoid Running Out of Money: The Role of Longevity Annuities

Jan. 11, 2016

"However, a quick comparison with the amounts reported by www.immediateannuities.com indicates that the spreadsheet estimate is in the ballpark."

kiplinger

Put Your Pension to Work

Dec. 2015

"Your company payout is likely to be higher because your employer is on the hook for the promised dollar amount, no matter how much it costs to make good on that obligation. A fee-only financial planner, or a Web site such as www.immediateannuities.com, will help you run the numbers."

aarp

Should You Exit the Stock Market?

Nov. 2015

"If it does, forget about it and use some savings to buy immediate-pay annuities. You'll get a guaranteed income for life and will never have to think about stock prices again. To see how much an annuity would pay, go to immediateannuities.com."

bloomberg businessweek

You've Been Offered a Ton of Money. Should You Take It?

Oct. 22, 2015

"Littell went to immediateannuities.com, a consumer website that provides annuity quotes from major insurers, and looked for the lowest price on a deferred single-life annuity (with no death benefit) with a benefit of $500 a month and payments to start at age 65."

motley fool

This Annuity Calculator Can Estimate Your Retirement Income

Oct. 18, 2015

"How much can you expect from an immediate annuity? ImmediateAnnuities.com's annuity calculator will give you a rough idea. You can enter your age, gender, state, and the age at which you want your checks to start rolling in. Then you can enter how much you want to spend on the annuity, in which case it will tell you how big of a monthly check you might expect. You can also enter the size of the monthly check you'd like, and it will give you an idea of how much that will cost you."

chron

Self-Employed Can Use Annuities to Retire

Oct. 6, 2015

"A recent quote from the site immediateannuities.com indicated a monthly income of..."

cnn money

Ensuring your retirement savings last as long as you do

By Walter Updegrave

Sep. 23, 2015

"If you do decide to put a portion of your savings into an immediate annuity or a longevity annuity, you'll want to do some comparison shopping before you actually invest. You can check out quotes from several insurers by going to a site like ImmediateAnnuities.com."

time

The brilliant retirement idea that nobody likes

By Ian Salisbury

Sep. 22, 2015

"...starting in 20 years, according to pricing website ImmediateAnnuities.com."

my statesman

Paying for assisted-living requires safe, short-term investing

By Scott Burns

Sep. 13, 2015

" On the website immediate annuities.com, an 84-year-old man can get a lifetime income at a rate of..."

farm futures

Immediate annuities: The right retirement tool for exiting farmers?

By Rich Dunn

Sep. 9, 2015

"This means a guarantee of at least $106,560 in total annuity payments even if the owners die prematurely. These rates are estimates. They are not guaranteed. (links to immediateannuities.com)"

next avenue

A Guaranteed Income Source to Beat Your Investments

Sep. 8, 2015

"To see how that payment might vary based on the amount invested, age, sex and for both singles and couples —where income continues as long as either person is alive — you can check out this immediate annuity payment calculator (immediateannuities.com)."

forbes

Annuity Pricing Sensitivity

By Wade Pfau

Aug. 25, 2015

"In late July 2015, immediateannuities.com reported the best payout rate for a 65-year-old male was..."

time

The New Way to Get IRA Income

By Penelope Wang

Aug. 24, 2015

"Several insurance companies have started selling QLACs, including Principal Financial and American General. You can get quotes for them at ImmediateAnnuities.com."

chicago tribune

5 keys to secure adequate retirement income

By Terry Savage

Aug. 16, 2015

"To find out how much monthly income you could receive for a lump sum deposit into this insurance contract, go to www.ImmediateAnnuities.com."

market watch

Six Ways to Pay Yourself In Retirement

By Paul A. Merriman

Aug. 12, 2015

"Based on a calculator available at www.immediateannuities.com, a 65-year-old male could buy a single-life annuity for $1 million and get guaranteed payments of..."

time

Why You Should Spend More Money in Retirement

By Donna Rosato

Jul. 18, 2015

"If that amount exceeds your Social Security and any other guaranteed income, fill that gap with an annuity. (Get quotes at ImmediateAnnuities.com.)"

star tribune

Taking a look at longevity annuities in retirement

By Janet Kidd Steward

Jul. 11, 2015

"A 60-year-old woman who puts $50,000 into a QLAC on the individual market might get $2,184 per month beginning at age 85, according to recent quotes from immediateannuities.com."

reuters

New Annuity Options to Plan Around Life's Biggest Unknown

By Mark Miller

Jun. 25, 2015

"An immediate annuity would provide $6,144 for the 70-year-old man and $5,748 for the woman, according to Immediateannuities.com."

investment news

Majority of Americans Flunk Social Security Quiz

By Mary Beth Franklin

Jun. 12, 2015

"For example, it would cost a 65-year-old man $500,000 to purchase a joint life immediate annuity that generates $2,100 per month in income for as long as either spouse lived, according to immediateannuities.com."

clark howard

2 Kinds of Annuities That Actually Make Sense for Your Wallet

By Clark Howard

Jun. 2, 2015

"Be sure to get a quote for an immediate annuity from ImmediateAnnuities.com. If you have military service, you'll also want to get a quote from USAA and maybe TIAA-Cref."

uncommon wisdom

The Simple Truth About Annuities

By Nilus Mattive

May 6, 2015

"If you want to get a sense of how much income you could generate from an immediate, fixed annuity, I suggest you start with an online calculator like the one found at http://immediateannuities.com/."

clark howard

Why Variable Annuities Stink

By Clark Howard

Apr. 29, 2015

"Be sure to get a quote for an immediate annuity from ImmediateAnnuities.com."

money watch

Solving an 80-year-old's retirement income dilemma

By Steve Vernon

Apr. 20, 2015

"A recent estimate from Immediateannuities.com, a low-cost annuity bidding service, shows that $100,000 could buy an annual lifetime income of..."

kiplinger

3 Ways to Guarantee Retirement Income for Life

By Kimberly Lankford

Mar. 26, 2015

"If you're considering an immediate or a deferred-income annuity, you can do some calculations at www.immediateannuities.com."

kiplinger

How Much to Invest in an Immediate Annuity

By Kimberly Lankford

Mar. 20, 2015

"The older you are when you invest in the immediate annuity, the higher your annual payouts will be. You can run the numbers for your situation at www.immediateannuities.com."

time

Simple Steps to Avoid Outliving Your Money in Retirement

By Dan Kadlec

Feb. 4, 2015

"There are also online tools for do-it-yourself annuity shoppers. You can get quotes for immediate and deferred annuities at immediateannuites.com."

time

5 Secrets to a Happy Retirement

By Donna Rosato

Jan. 12 2015

"You can engineer a steady income by buying an immediate fixed annuity. According to ImmediateAnnuities.com, a 65-year-old man who puts $100,000 into an immediate annuity today would collect..."

kiplinger

10 Best Personal-Finance Tools to Better Manage Your Money

By the editors of Kiplinger's Personal Finance

Dec. 2014

"Payouts can vary a lot from company to company based on your age, sex, amount and type of payout. The best way to find out which insurers offer the highest lifetime payouts for you is to go to ImmediateAnnuities.com. It provides quotes for most of the top annuity companies."

forbes

Are You Worried About Retirement?

By Erik Carter

Nov. 21 2014

"One is to purchase an immediate annuity with your nest egg. According to this immediate annuity calculator (ImmediateAnnuities.com), a 65-yr old couple would be able to get..."

forbes

How To Generate Retirement Income From Savings

By Steve Vernon

Nov. 12, 2014

"There are three ways you can buy an immediate annuity. You can use an online service such as ImmediateAnnuities.com..."

time

6 Ways to Have a Richer Retirement

By Penelope Wang

Nov. 8, 2014

"Unlike immediate annuities, which pay out right away, deferred annuities kick in after 15 or 20 years or more, depending on the period you choose. “It’s a form of insurance for old age, but you’re buying it at a big discount to the cost of an immediate annuity,” says York University finance professor Moshe Milevsky. You can find quotes for longevity annuities at immediateannuities.com."

new york times

Making Sure Retirement Savings Don’t Run Out

By Conrad De Aenlle

Oct. 22, 2014

"...to buy immediate monthly payments of the same amount, according to the website immediateannuities.com."

time

You May Live Longer Than You Think. Here’s How to Afford It

By Penelope Wang

Oct. 18, 2014

"...according to ImmediateAnnuities.com."

wall street journal

Longevity Puzzle: A Medical Diagnosis Complicates Retirement Planning (Subscription to online WSJ required)

By Liam Pleven

Oct. 10, 2014

"Currently, a 70-year-old man could buy an immediate annuity for $128,000 that would pay out more than $800 a month for life, according to ImmediateAnnuities.com, an online brokerage."

time

Why Gen X Feels Lousiest About the Recession and Retirement

By Dan Kadlec

Aug. 28, 2014

"Looked at another way: purchasing an immediate annuity for $1 million today would buy $5,000 of monthly income (as of 08-28-2014), according to ImmediateAnnuities.com."

market watch

Is it worth it to buy a ‘longevity annuity’?

By Glenn Ruffenach

Aug. 25, 2014

"...according to ImmediateAnnuities.com. But with a longevity policy that starts payments at age 75..."

wall street journal

Insurance Against Outliving Your Retirement Savings

By Anne Tergesen

Aug. 23, 2014

"... according to ImmediateAnnuities.com, which provides free quotes from insurers."

wall street journal

Can You Afford to Retire Early?

By Liz Moyer

Aug. 1, 2014

"...according to ImmediateAnnuities.com, an online annuity brokerage."

go to retirement

Simple Methods to Predict Your Retirement Income

By MJP

Jul. 10 2014

"A second fast and easy way to predict your retirement income is to hypothetically purchase a deferred annuity using all of your current retirement assets. You can do this using a deferred annuity calculator, such as the one available here (ImmediateAnnuities.com)."

wall street journal

Using Immediate Annuities to Guarantee Retirement Income (Subscription to online WSJ required)

By Walter Updegrave, Personal Finance Columnist

Jul. 4, 2014

"Monthly payouts can easily vary 5% to 10% from one insurer to another. You can get quotes from several insurers by going to ImmediateAnnuities.com, an online annuity brokerage firm."

bankrate

Treasury OKs Annuities in 401(k)s

By Jennie L. Phipps

Jul. 2, 2014

"One of the advantages of these annuities is the security of knowing that your money will grow and provide a predictable return without a lot of risk. For instance, according to ImmediateAnnuities.com, someone who uses $40,000 of their IRA savings at age 50 to purchase a longevity annuity could expect to receive about $1,000 a month for life beginning at age 75."

barrons

Barron's 2014 List of the Top 50 Annuities (Subscription to online Barron's required)

By Karen Hube

Jun. 21, 2014

"'You can look at the guaranteed income and know what you're getting,' says Hersh Stern, founder of ImmediateAnnuities.com, a source of data on fixed annuities."

market watch

3 Ways to Avoid Outliving Your Nest Egg

By Glenn Ruffenach

Jun. 9, 2014

"But immediate annuities, in particular, which tend to be relatively simple and cost-efficient, can help bridge the gap between what Social Security will cover and what you need for essential expenses. Check out how much you might receive at immediateannuities.com."

wall street journal

How to Manage Your Retirement Withdrawals (Subscription to online WSJ required)

By Walter Updegrave, Personal Finance Columnist

Jun. 6, 2014

"With these, you hand over a lump sum to an insurer in return for monthly income as long as you live. For an estimate of how much you might receive each month after expenses, you can go to ImmediateAnnuities.com."

forbes

Leverage Your Way To A Richer Retirement

By Daniel Fisher

Mar. 3, 2014

"Another approach to setting up this “floor” would be to buy an immediate annuity that pays out $5,000 a month until you die. ImmediateAnnuities.com says..."

guardian

Two Unusual Ways to Beat the Panic of Retirement Savings

By Suzanne McGee, Financial Journalist

Feb. 16, 2014

"If you’re a 65-year-old woman, you can turn $200,000 into a lifetime (inflation-adjusted) income of between $1,000 and $1,100 a month; if you’re 70, the same sum will bring you as much as $1,230 a month. If you can wait until you’re 75, the figure could be as high as $1,470 a month. (the website is quoting immediateannuities.com)"

cbs money watch

Costs Matter When Generating a Retirement Paycheck

By Steve Vernon

Nov. 1, 2013

"You can find annuity bidding platforms at...ImmediateAnnuities.com."

cnn money

Immediate Annuities: When Guaranteed Income Is a Bad Bet

By Penelope Wang

Oct. 11, 2013

"To see the benefits of putting a portion in an immediate annuity -- perhaps enough to cover much of your fixed expenses -- get quotes at immediateannuities.com"

kiplinger

Add an Annuity to Your Retirement-Income Mix

By By Kimberly Lankford

Oct. 2013

"Compare prices for immediate annuities at www.ImmediateAnnuities.com,which provides payout quotes for many top annuity companies."

pbs

An 8.3 Percent Return on Your Money, Guaranteed for Life?

By Lew Mandell

Sep. 12, 2013

"To get an idea of the guaranteed cash flow available on a SPIA, you might want to go to this site (www.immediateannuities.com). This is a free web site that doesn't require a sign-in or identification from you and that tells you the monthly and annual payment that a fixed investment, such as $100,000, will give you for life, depending on your age and gender. You will be pleasantly surprised!"

clark howard

Best Providers of Immediate Payout Annuities

By Clark Howard

Aug. 18, 2013

"Be sure to get a quote for an immediate annuity from ImmediateAnnuities.com. If you have military service, you'll also want to get a quote from USAA and maybe TIAA-Cref."

wall street journal

Retirees Face High Stock Prices and Low Bond Yields

By Brett Arends, Personal Finance Columnist

Jul. 27, 2013

"According to Hersh Stern, an industry expert and the head of ImmediateAnnuities.com, a comparison website, payout rates on annuities remain little improved on the record lows seen a few months ago."

kiplinger

7 Annuity Mistakes to Avoid

By Kimberly Lankford

Jun. 21, 2013

"You can get current rates at ImmediateAnnuities.com. Before you choose the type of annuity payout, review your financial plan and make sure your spouse will have enough income to live on after you die."

moneywatch

The best way to buy annuities for retirement

By Steve Vernon

Apr. 24, 2013

"My favorite way to buy immediate annuities is through an online shopping service such as Immediateannuities.com... These services shop your annuity for the best price among a panel of insurance companies, and they strive to minimize transaction fees."

today logo

It Takes Work to Plan a Successful Retirement

Interview with Tobie Stanger, Senior Editor, Consumer Reports Money Adviser

Apr. 11, 2013

"...a fixed immediate annuity may be a reasonable purchase. There's a web site called immediateannuities.com that provides comparisons. Consumer Reports Money Adviser has an upcoming article in June on this."

kiplinger

Cash From Your Life Insurance

By Sandra Block

Jan. 2013

"Shop around for the annuity provider that offers the largest payout. “There’s an amazing disparity among companies,” says Singer. You can compare payouts at www.immediateannuities.com."

kiplinger

Be Wary of Insurers Offering Annuity Buybacks

By Kimberly Lankford

Jan. 2013

"Joe goes to www.ImmediateAnnuities.com to find the cost of an immediate annuity based on his age at the time the income stream would begin."

time

Why an Immediate Annuity Might Be Right for You

By Walter Updegrave, Personal Finance Columnist

Sep. 21, 2012

"That’s less than either would get on their own because the chances that at least one of them will be around at some point in the future are greater than their chances individually. (You can get annuity quotes for different ages and investment amounts at immediateannuities.com.)"

cbs money watch

Are annuities a good deal or not?

By Steve Vernon

Aug. 24, 2012

"...the transaction charges are low and transparent. You can find other effective annuity shopping services at...ImmediateAnnuities.com."

aarp

Should You Take Your Pension in One Lump Sum?

By Jane Bryant Quinn

Aug. 20, 2012

"After rolling your 401(k) or other retirement money into an IRA, you could use part of the money to buy an immediate-pay annuity. That gives you a pension for life. To find the best buy, check this website (immediateannuities.com)."

kiplinger

Retirees Mull Pension Lump Sum Offers

By Eleanor Laise

Aug. 2012

"Meintjes calls the lump-sum offer "an incredibly dangerous thing," because retirees will be tempted to take the cash and plow it into risky investments. To check the annuity value of your lump sum, go to ImmediateAnnuities.com."

white coat investors

SPIA — The Good Annuity

June 11, 2012

"The easiest place to get an estimate of what you’d get paid is to look at the free calculator at immediateannuities.com."

new york times

Getting to Retirement With Minimal Financial Risk

By Tara Siegel Bernard

May 18, 2012

"Annuities can also feel expensive. They may pay out approximately 4 or 5 percent of your investment, according to Professor Bodie, depending on the options you choose. An investment of $500,000 will buy slightly less than $2,400 in monthly income for a 65-year old man and his 62-year-old wife, according to a rough estimate from ImmediateAnnuities.com. But inflation-adjusted payments will cost more. "

yahoo finance

Best Money Moves for Seniors

By Donna Rosato

Apr. 12, 2012

"Even without a pension, you can collect a guaranteed check every month for life by buying an immediate annuity (you can shop for one at immediateannuities.com)."

cbs money watch

What Happens If Your Insurance Company Fails?

By Steve Vernon

Feb. 2, 2012

"You can view an insurance company's rating if you use an online annuity bidding service, such as...www.ImmediateAnnuities.com."

cbs money watch

My 4 favorite ways to generate retirement income

By Steve Vernon

Jan. 16, 2012

"My favorite source for buying an annuity is an online shopping service that searches for the best rate among a select group of insurance companies, such as...ImmediateAnnuities.com."

new york times

In Annuities, Better Rates Come With Complexity

By Conrad De Aenlle

Sep. 15, 2011

"At first glance, annuity rates do not seem so miserly. A woman, 65 and living in New York, for instance, can receive 7.1 percent a year, according to the Web site ImmediateAnnuities.com."

aarp

What's in Your Retirement Portfolio?

By John F. Wasik

Aug. 18, 2011

"Online resources: Putting together a portfolio is complicated. Here's a list of websites that can help you track down specific investments or create a portfolio with a professional. Annuity Quotes (www.immediateannuities.com)."

moneywatch

Why Immediate Annuities Deserve A Second Look for Your Retirement

By Steve Vernon

Jul. 18, 2011

"Online services such as immediateannuities.com...will help you shop for annuities by comparing monthly income amounts among various insurance companies, and showing the insurance companies' safety ratings."

wall street journal

Is It Time to Buy an Annuity?

By Anne Tergesen and Leslie Scism

May 14, 2011

"Currently, a 65-year-old man paying $100,000 for an immediate fixed annuity can get about $7,600 a year for life, according to ImmediateAnnuities.com, a website that provides free quotes from insurers. That's much more than he would be able to produce from an investment portfolio of the same size, assuming he withdraws no more than 4% a year, the limit financial advisers generally recommend."

moneywatch

Planning Your Retirement: The Best Ways to Generate Lifetime Income

By Steve Vernon

May 9, 2011

"You can estimate how much you'll receive by using online annuity purchase services such as www.immediateannuities.com."

wall street journal

Retirement Income? Annuities Come Up Short

By Brett Arends, Personal Finance Columnist

Apr. 30, 2011

"Hersh Stern, the head of ImmediateAnnuities.com, points out that people who have held off buying an annuity over the past couple of decades, waiting for rates to recover to previous levels, have waited in vain."

daily finance

Six Best Calculators for Figuring Out Your Retirement Strategy

By Jennie L. Phipps

Jan. 25, 2011

"One way is to buy an annuity with part of your savings. ImmediateAnnuities.com calculates how much income you can get for your money. You don't have to register or part with much personal information, which makes this calculator a good deal."

daily finance

Retirement Income: Six Ways to Earn $1,000 a Month

By Jennie L. Phipps

Jan. 20, 2011

"You can noodle around with these numbers without registering or fearing that a salesperson will bother you if you don't want to be contacted by going to ImmediateAnnuities.com."

cbs money watch

5 Tips for Buying an Immediate Annuity

By Steve Vernon

Oct. 18 2010

"...www.ImmediateAnnuities.com have offered online shopping services for awhile, where you can get online estimates of your monthly income."

cbs money watch

Retirement Calculator Roundup: Top Tools For Boomers

By Carla Fried

Aug. 3, 2010

"The Immediate Annuities calculator (ImmediateAnnuities.com) provides an estimate of the income you could lock in if you chose to convert some of your retirement assets into a fixed-payment annuity."

forbes

For Some Retirees, This Annuity Makes Sense

By Mel Lindauer, Contributor

Jul. 29, 2010

"You can get quotes on SPIAs for various options from immediateannuities.com"

moneywatch

Set Up a Future Retirement Income, with New-Style Annuities

By Jane Bryant Quinn

Jun. 4, 2010

"Financially, you could do better by putting part of your $100,000 toward a plain vanilla immediate-pay annuity that gives you fixed lifetime payments, starting now (for prices, see ImmediateAnnuities.com)."

consumer reports

Should You Switch To The Sun Life Brand?

Consumer Reports Money Adviser

Jun. 2010

"The company sells both fixed and variable annuities. Its fixed immediate annuities pay an interest rate above the industry average (but not the best available) for men, according to data compiled by ImmediateAnnuities.com. Women get less than the industry average."

kiplinger

Lock In Your Retirement Income

By Kimberly Lankford

May 2010

"Payouts can vary enormously by company, so it's a good idea to compare prices from many insurers. "There's easily a 10% to 15% spread from the top to the bottom of the list," says Hersh Stern, publisher of AnnuityShopper.com. Stern's Web site (www.immediateannuities.com) includes a database of more than a dozen annuity companies, making it easy to compare benefits."

washington post

Tools to Safeguard Your Retirement Income

By Kimberly Lankford

Apr. 18, 2010

"...it's a good idea to compare prices from many insurers. "There's easily a 10% to 15% spread from the top to the bottom of the list," says Hersh Stern, publisher of AnnuityShopper.com. Stern's Web site (www.immediateannuities.com) includes a database of more than a dozen annuity companies, making it easy to compare benefits."

asset builder

Understanding Life Annuities

By Scott Burns

Feb. 3, 2010

"...is less than the amount offered on a similar contract on the website www.ImmediateAnnuities.com."

new york times

The Unloved Annuity Gets a Hug From Obama

By Ron Lieber

Jan. 29, 2010

"Early on, the knock on annuities was that once you died, the money was gone. So let’s say a 65-year-old man in Illinois turned over $100,000 in exchange for $632 a month for life, a recent quote from immediateannuities.com."

moneywatch

7 Best Annuities to Guarantee Income for Life

By Kathy Kristof

Dec. 8, 2009

"You may want to buy multiple annuities from assorted safe companies, says Hersh Stern, publisher of Annuity Shopper and ImmediateAnnuities.com."

kiplinger

Buy A Pension With An Immediate Annuity

By Steven Goldberg

Nov. 17, 2009

"The best place to start your search is at ImmediateAnnuities.com (800-872-6684). Plug in the state you live in, your age and your gender, and the Web site instantly spits out quotes from numerous companies."

boston

This Year, Variable Annuities Are A Better Deal For the Seller Than For the Investor

By Scott Burns

Sep. 9, 2009

"A $100,000 variable annuity contract with such a guarantee means a 65-year-old can have $5,000 a year, or $417 a month, for life. According to www.immediateannuities.com, a 65-year-old can buy a life annuity that will pay $417 a month for life for $61,000. That means he’d have $39,000 “left over."

kiplinger

An Annuity That Pays Now and Forever

By Kathryn A. Walson, Staff Writer, Kiplinger’s Retirement Report

Jul. 1, 2009

"Even if interest rates don't rise, an annuity ladder enables you to capture higher payments because of your age. You should buy annuities from more than one company to spread your risks in case one insurer goes under. To get quotes, go to www.immediateannuities.com."

kiplinger

Guaranteed Income for Life

By Kimberly Lankford

Jul. 2009

"To estimate how much you would have to invest to generate the monthly income you need, go to www.annuityshopper.com (immediateannuities.com)."

aarp

Are Annuities Right for You?

By Martha M. Hamilton

Mar. 26, 2009

"Immediate Annuities.com compares prices from participating companies and can give you an idea how much in monthly payments an investment can buy."

wall street journal

Life Annuity Calculators: Finding the Best Online

By MJP

Mar. 25, 2009

"Perhaps the most prominent site featuring life annuities is ImmediateAnnuities.com. I have visited it numerous times, to gather information and run numbers on different income annuity scenarios. The calculator on this site is basic but effective. You enter your state, age, and gender, then either a desired income payment or fixed investment amount. For a joint life annuity, you have the option of entering your spouse’s age and gender. The output includes data for 11 different types of fixed and life annuities."

wall street journal

Look Before You Leap Into Fixed Annuities

By Kristin McNamara and Shelly Banjo

Feb. 10, 2009

"Payout rates for fixed immediate annuities vary with factors including your age, gender and contract terms. For example, a 60-year-old woman who pays an insurer $100,000 could receive monthly payments between $590 and $623 for her lifetime, depending on the insurer and beneficiary options she chooses, according to ImmediateAnnuities.com."

bankrate

Classic question: Annuities or bonds?

By Don Taylor, Ph.D., CFA

Feb. 3, 2009

"I used the annuity quote function on ImmediateAnnuities.com and assumed a $1 million investment for a 66-year old male. You can do your own calculation based on your age and the money you have available to purchase the annuity. The site will return almost two dozen different monthly payments based on typical annuity options."

kiplinger

Be Wary of Insurers Offering Annuity Buybacks

By Anne Kates Smith

Sep. 2008

"He does recommend a "period certain" feature -- meaning that if you die before a certain cut-off date, your heirs will receive annuity payouts until the cutoff. Check annuities and their prices at www.ImmediateAnnuities.com."

asset builder

Yes, You’re A Virtual Millionaire. But So Is Everyone Else.

By Scott Burns

Jun. 25, 2008

"You can check that by visiting www.immediateannuities.com, entering your age, state of residence, and expected monthly income. It will show you how much that income would cost as an investment in a single premium immediate annuity."

bankrate

Rating and buying annuities

By Jenny McCune

Feb. 9, 2007

"Where to buy annuities: The monthly payout from an immediate annuity can vary a lot, depending on the source. Check Immediateannuities.com to get a baseline price..."

cnn money

Pensions: Annuity Or Lump Sum?

By Walter Updegrave, Money Magazine Senior Editor

Jan. 29, 2007

"You can shop for the highest payments for this type of annuity by clicking here (www.immediateannuities.com)."

usa today

Are Annuities Right for Your Nest Egg?

By Kathy Chu, USA TODAY.

Dec. 1, 2006

"The costs of fixed annuities usually aren't immediately clear. That's because the fees are built into your monthly payouts. The higher the fees, the lower the monthly payouts. That's why it's important that retirees compare payouts from different companies, at sites such as www.immediateannuities.com."

kiplinger

When to Accept a Buyout

By Mary Beth Franklin

Aug. 2006

"The easiest way to figure out whether a lump sum or a traditional pension is the better deal is to compare how big your monthly payment would be if you used the lump sum to buy an immediate annuity from an insurance company. You can compare prices at Web sites such as www.annuityshopper.com (ImmediateAnnuities.com)."

bloomberg

New Wrinkles For Annuities

By Anne Tergesen, Contributing Editor, The Wall Street Journal

Jul. 23, 2006

"It's only if he lives beyond his life expectancy of 82 that he will come out ahead by choosing the 3% raise, says Hersh Stern, publisher of Annuity Shopper magazine."

kiplinger

Guarantee Income in Retirement

By Kimberly Lankford, Kiplinger News Service

Jun. 26, 2006

"...according to ImmmediateAnnuities.com, an annuity brokerage that works with many companies and is a great source for price quotes."

southcoast today

A Simple Way to Save for Retirement

By Jonathan Clements, Director of Financial Education for Citi Personal Wealth Management

Apr. 9, 2006

"Get a fistful of quotes from your insurance agent or from a Web site like www.immediateannuities.com. There's often a wide spread in the income offered by insurers, so it pays to shop around."

bankrate

Immediate annuities: Do-it-yourself pensions

By Jenny McCune

Feb. 9, 2006

"Online calculators, such as the one at immediateannuities.com, give free quotes."

cnn money

3 Rules for a Happy Retirement

By Walter Updegrave, MONEY Magazine Senior Editor

Jan. 13, 2006

"By investing a portion of your 401(k) or other savings in an "income annuity," it will pay you a guaranteed income as long as you live. You can get price quotes from several annuity issuers, as well as their financial strength ratings, at a site like Immediateannuity.com."

cnn money

Which is better: pension or payout?

By Walter Updegrave, Money Magazine Senior Editor

Nov. 25, 2005

"The size of the payment your wife would receive will vary from company to company, but when I went to Immediateannuities.com -- which gives an average of what several insurers would pay -- and plugged in your wife's info..."

cnn money

Income For Life...A Good Deal?

By Walter Updegrave, Money Magazine Senior Editor

Nov. 15, 2005

"If you'd like to get an idea of how much lifetime income you can get for your wife from different insurers for a given sum -- $100,000 or whatever -- check out the annuity calculator at Immediate Annuities.com. By doing this, you and your wife will at least have some sense of just how much income she may have to live on after you're gone."

chicago tribune

Mouthful of an Investment Made for a Long Life

By Matthew Lubanko, Financial Columnist, Hartford Courant

Sep. 12, 2004

"'Look for the biggest payout you can get, from an insurer that can stand behind its guarantee to pay you for life,' said Hersh Stern, publisher of The Annuity Shopper...Treasury yields matter because they often influence the rates insurers pay to annuity owners. In today's low-rate climate, for example, annuitants can expect to receive from 2.75 percent to 4.25 percent, depending on the expected life span of the person buying the contract, said Stern."

forbes

Guaranteed Returns

By Carrie Coolidge, Personal Finance Writer, Forbes

Jun. 9, 2003

"...CD-like annuities are no-load products that don't have annual management fees or expense charges. "What you see is what you get," says Hersh Stern, publisher of Annuity Shopper, a semiannual publication."

usa today

An Annuity Could Protect Savings

By Sandra Block, USA TODAY.

Nov. 23, 2001

"If you're convinced an immediate annuity is right for you, do your homework. There are several Internet Web sites that let you get free quotes on monthly payments. One of the easiest to navigate is WebAnnuities.com (www.immediateannuity.com)."

Terry Savage

Terry's Favorite Annuity Websites: ImmediateAnnuities.com

"How large a monthly payout can you get for life from a specific lump sum? Just enter your age and see what various insurance companies are offering. Also an excellent place to double check your company plan's retirement choices. If they offer you a lump sum or monthly payout, here you can see if you could do better."

Bottom Line Personal

"It's also possible to deal with a reputable broker who maintains a broad database of annuity rates paid by different insurance companies. (Our) top source: Hersh Stern, an insurance-broker who specializes in immediate annuities. He publishes the Annuity Shopper, a newsletter that compares different insurers' ratings and charges."


Jane Bryant Quinn

By Jane Bryant Quinn

"Finding the best such annuity is the easiest job in personal finance...You can buy the annuity directly through a broker (Hersh Stern, publisher of Annuity Shopper) who will answer your questions and handle your order by phone...Check the Annuity Shopper magazine for the companies that pay the highest monthly incomes per $1,000 invested."


Straight Talk On Your Money

By Ken & Daria Dolan

"Our Top Annuity Source... For annuities, we recommend... Hersh Stern, publisher of the Annuity Shopper. Hersh also offers a rating service which can help you compare different companies' rates and charges."


Business Week

"If you're talking about retirement, a fixed annuity makes sense...To compare different insurers' ratings, interest rates, and charges, check Annuity Shopper."


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Comments (2)

  1. Rick
    2018-11-05 13:22:33

    I had a Voya variable annuity that was ready to be annuitized. The annuity was worth 190,000. I got to talking to a company called Annuity Advantage and the guy says he can get me my money with a 5 yr immediate annuity. It was only half so I lost 95,000 over 20 yr period. Is their a fiduciary or suitability responsibility on the agents part? He checked a box saying this was not taking the place of another annuity. Is this true because it was an indirect roll over?

  2. Hersh Stern (ImmediateAnnuities.com)
    2018-11-05 13:23:51

    Hi Rick,

    You should immediately contact the new insurance company and explain what happened. This should have been considered an annuity replacement.

    If your funds were nonqualified (the initial premium you used was already taxed for income) they should have been moved from your Voya annuity to your new annuity via a 1035 Exchange. This can cause several problems if it was not handled in this way.

    If your funds were qualified (the account was considered an IRA, all funds were tax deferred) then it should still have been considered a replacement of one annuity for another.

    Call your new insurance company and see what they advise.

    -Hersh