Annuity information is complicated.

It is hard to understand.

The purpose of this site is to explain the Single Premium Deferred Annuity (SPDA).

I am not here to sell you anything.

I am not here to convince you to do anything.

This is a good tool for me and I thought you might want to know about it.

A Single Premium Deferred Annuity (SPDA) requires that you make just one lump-sum premium payment. In exchange, the issuer guarantees an income stream for your retirement years.


Annuities are a popular choice for investors who want to receive a steady income stream in retirement.

They are tax-deferred investments similar to the Individual Retirement Account (IRA).

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Classically used as a method of increasing retirement savings, the SPDA provides a guaranteed amount once the investor has retired and instructs the insurance company to make payment.

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