You may invest in a life annuity through your registered (RRSP, LRSP, RRIF) or unregistered savings.
Immediate annuity is an insurance product that provides you with an income. You invest one time only and receive a guaranteed income for a specified period, or for the whole life of one or two individuals, depending on your choice.
This annuity may be used to ensure regular and sufficient income for your living expenses. It provides security and stability.
Here are some features of the immediate annuity:
- Guaranteed income for life or for a specified period
- Protection against market fluctuations (e.g. : stock market, interest rates)
- Indexed annuity option (protection against inflation)
- No investment management
- Favourable tax status
- Limited options for your heirs to receive a death benefit
Want to learn more about annuities? Talk to one of our financial security advisors! They will help you choose the best strategy for your current situation.
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