Indexed and Fixed Annuities

Convenient & Predictable Returns Providing a Steady Payout During Your Retirement

Indexed and Fixed Annuities

Black’s Insurance & Financial Services can help you get the fixed annuity you need for a more comfortable retirement. This modest, solid investment normally provides a higher guaranteed interest rate than a bank CD (certificate of deposit). Whether it is deferred or immediate, in a fixed rate annuity the result is still the same – convenient and predictable returns that will get you a steady payout during retirement.

Call us today and we will provide you with an in-depth explanation so that you better understand the differences between a fixed annuity vs. an indexed annuity and which option is best for you.

Fixed Annuities

Fixed annuities offer convenience and predictability and similar to CDs in some regards except they traditionally pay a higher rate of interest than conventional bank CDs or savings accounts. There are two types of fixed annuities – deferred and immediate. Deferred fixed annuities accumulate regular rates of interest while immediate fixed annuities provide retirees with fixed payments based on the age of the holder and the size of the annuity.

Fixed Annuities are a great option to incorporate into your retirement strategy due to the predictability of a set payout. To learn more about Fixed Annuities, please call our office and we’ll explain how fixed annuities work, the best-fixed index annuity to date, and why fixed annuities are safe.

Indexed Annuities

An Indexed Annuity provides a hybrid approach to traditional conservative investment accounts with a fixed annuity. Compared to a fixed annuity, indexed annuities provide for potential investment growth. Indexed Annuities are linked to a market index such as the Dow Jones or S&P 500. Compared to a typical investment into an index, the Index Annuity provides for protection against down market while still providing you with some level of guaranteed lifetime income payments.

Whether you are interested in Fixed or Indexed Annuities, Black’s Insurance & Financial Services makes sure you get the right price on an annuity that best fits your current financial situation to benefit your long term future.

Black’s Insurance works only with A-rated insurance companies to provide many types of coverage including a complete range of fixed income annuities. For your retirement to be secure we will help you understand the following:


  • Access to money
  • Comparing all types of annuities
  • Converting your 401k, 403b or IRA into another product
  • Death benefits to you beneficiaries
  • Discussing your income start date
  • Discussing other conservative investment strategies
  • If you need income payments that you can’t outlive
  • If you should worry about a stock market decline
  • Joint vs. Single lifetime payout
  • Minimal risk exposure
  • The possibility of giving up potential growth for fixed growth
  • Tax deferral on earnings


It’s likely that your fixed annuity questions extend past what we’ve identified above. It’s best to reach out to us to discuss your individual situation and the goals you plan to reach. Black’s Insurance & Financial Services is an independent corporation that will take the time to assess your current and future needs while working to help you stay protected for years to come. You’ll receive personal attention and in-depth explanation from our agents to ensure that you get the best possible investment for your future.

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Meet one of our Personal Insurance agents

Chris Black


Chris Black has been in the insurance industry since 1991. He has been the owner of Black's Insurance and Financial Services since 2008. Chris was born and raised in Plant City, Florida. He is married to his wife Sherri and has 4 kids, Aj, Nick, Samantha & Lucas. A graduate of Florida Southern College, Chris is a self-proclaimed sports nut who loves the Tampa Bay Buccaneers, Lightning and Rays!