![Happy couple shopping together](/-/media/feature/westernsouthern/hero/hero-form/happy-older-couple-eating-breakfast/couple-shopping-together.jpg?rev=556ee46b393643839ac95444fc077742&la=en&h=600&w=980&hash=D2BCF8805B96342688C2FE3DAD0CBC9A958F0E05)
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Why Choose a Retirement Annuity?
Benefits of a Retirement Annuities
Guaranteed Income
Tax Benefits
Unlimited Contributions
Ability to Customize
Long-Term Care Insurance Riders
Guaranteed Rate of Return
Types of Retirement Annuities
![Retired woman enjoying her morning coffee by the beach](/-/media/feature/westernsouthern/products/table-module/retired-woman-enjoying-her-morning-coffee-by-the-beach.jpg?rev=32b77eca65ce482894107133b9635030&la=en&h=487&w=991&hash=CDC0A6BCECB4668ABD1056A41874E2D330D64FDE)
Choose the Type of Annuity That's Right For You
Benefits | Fixed Annuity | Variable Annuity |
---|---|---|
Tax-Deferred
No taxes owed on contract earnings until withdrawn or distributed
|
Checked | Checked |
Guaranteed Interest Rate
Minimum interest rate guaranteed for life of contract
|
Checked | NotChecked |
Aggressive Risk Tolerance
Greater risk exposure in return for greater growth potential
|
NotChecked | Checked |
Conservative Risk Tolerance
Lower risk exposure in return for greater stability
|
Checked | NotChecked |
Fixed Annuities | Variable Annuities |
Income Outcomes Study: Retirement Income Sources
Learn More About Retirement Annuities
Why Western & Southern?
![](/-/media/feature/westernsouthern/content-blocks/supporting-grid/dependability-shield.png?rev=f867d141de894a76b27aae7c5cfa07cc&la=en&h=125&w=102&hash=8D80AAE4F7F392C4BB25A7FE9F90002AA4C4F0B2)
Financial Strength
![established 1888](/-/media/feature/westernsouthern/content-blocks/supporting-grid/est-1888.png?rev=f452958d28214f22a63aae04870fe00f&la=en&h=147&w=159&hash=39D4700F2563209B7D895955E71E2CC2016CAB01)