Q: "What are CD-type annuities?" - CD-type annuities are interest rate investments issued by insurance companies. Since they pay a locked-in interest rate for a specific term, they are often compared to CDs as "CD-Type." Like CD's, you put your money in and then collect your interest. At the end of the term, you have free access to your principal and interest without penalties.

Q: "Are CD-type annuities safe?" - Yes. Well-chosen CD-type annuities have an extremely high level of safety and can be an excellent way to earn attractive interest rates. Several companies rate the financial quality of companies offering CD-type annuities. All the companies on this site are rated at least A- Excellent by A.M. Best.

Q: "Are there extra charges not shown here?" - No. There are no loads, no sales fees, no contract fees, no expense charges, no annual fees, or management fees of any kind. All (100%) of your investment earns the stated interest rate from the day it is received until the end of the guaranteed period. Very simply, the quoted rate is the rate you will receive.

Q: "Can I take the interest as monthly income?" - Usually. Most CD-type annuities will allow you to withdraw your interest as monthly income. Only a few will not. To be sure, simply look on the detail page (click "More Info" on the CD-type annuity list) of the annuities that interest you. The heading entitled "Free Withdrawals" will detail whether this is allowed or not.

Q: "Can I reinvest my interest?" Yes. CD-type annuities will allow you to reinvest your interest.

Q: "Is the interest quoted as a compounded rate?" Yes. The interest rate has been quoted as an annually compounded rate. This allows you to compare "apples to apples" when choosing your CD-type annuity.

Q: "Are CD-type annuities appropriate for retirees?" Absolutely. In fact, I believe that CD-type annuities represent one of the best interest rate investment opportunties available to retirees today. They are very safe and have a locked-in interest rate that is very attractive.

Q: "Are CD-type annuities popular with younger folks?" Yes. Many pre-retirement "youngsters" choose to use the safety and attractive interest rates of CD-type annuities to fund their retirement accounts.

Q: "Can I put my IRA money in a CD-type annuity?" Yes.

Q: "Can I get help filling out the form?" Yes. The Online Investment Form is designed to make your CD-type annuity quick and easy. If you need help, well-trained staff will answer your questions and even fill out the form for you. Just call our toll-free phone number or put your questions in the comments box at the bottom of the form. We will review your form and provide you all the help you need.

Q: "Can I tell my friends about this site?" Yes. Thank you.

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