Variable Annuities

What is a Variable Annuity?

While fixed annuities offer the opportunity to accumulate value at a fixed rate of interest, variable annuities offer investment flexibility that might generate higher rates of return, based on the performance of your underlying investments. This means that the income you receive in retirement might rise.

The basic features of variable annuities include tax-deferred growth,1 choice of professionally managed investments, optional benefits (available at an additional charge), that can help protect your investment from market declines,2 choice of payout options and a death benefit to help you provide for your beneficiaries.3


Clear answers to key questions about variable annuities.

Variable annuities can help you keep pace with changing needs.

Life during retirement can change. So might your needs. A variable annuity may help you keep up with those life changes – including rising expenses.

Not only do variable annuities offer you flexibility in both the accumulation and payout phases, they also offer optional benefits that can help protect your investment from market declines. In addition, variable annuities can provide guaranteed income you can’t outlive, as well as offer a death benefit to help you provide for your beneficiaries.

With investment flexibility and returns based on the performance of your investment selections, you have the potential to keep pace with rising expenses. Also, variable annuities today typically offer a range of options, features, and guarantees at an additional cost, so you can tailor the contract to help meet your personal needs.

Variable annuities:

  • Are tax-deferred retirement investments
  • Give you the potential to keep pace with, or outpace, rising expenses
  • Can be tailored with options to help meet your personal needs
  • Offer a choice of payout options for income
  • Provide a variety of professional money managers for your investment
  • Offer investment options spanning style and risk profiles
  • Allow you to pass proceeds directly to named beneficiaries as a death benefit


Variable Annuities Products


ForeInvestors Choice

Retirement is the exciting start of a new phase in life. With fewer obligations, you’ll finally have the opportunity to do things you put off during your working years. But to be successful, you need to accumulate enough assets to support the lifestyle you imagine. Consider ForeInvestors Choice, a variable annuity that offers you new strategies to help address your needs in retirement.

Learn More About ForeInvestors Choice