Annuities

Protect your assets, defer taxes and get a guaranteed payout for future income.

Your benefits with a fixed annuity include:

Guaranteed income¹
Principal protection
Tax advantages
Competitive rates
Monthly, quarterly, semi-annual or annual payouts – for as long as you live

Gain financial confidence

Annuities can help you reach your personal financial goals for retirement. We'll work with you to find the right fit from a range of annuities from leading insurance carriers.

Your investment

Annuities product descriptions item 1
Tax-deferred fixed annuity	Pay into your investment over time – upon retirement or while you’re still working
Single premium income annuity	Pay into your investment in one lump sum

Benefit to you

Annuities product descriptions item 2
Tax-deferred fixed annuity	The security of additional savings for retirement – tax deferred – with guaranteed return of principal and interest¹
Single premium income annuity	Provides you with a steady stream of income immediately – and for life

Annuities product descriptions
	Your investment	Benefit to you
Tax-deferred fixed annuity	Pay into your investment over time – upon retirement or while you’re still working	The security of additional savings for retirement – tax deferred – with guaranteed return of principal and interest¹
Single premium income annuity	Pay into your investment in one lump sum	Provides you with a steady stream of income immediately – and for life

Advantages for retirement and beyond

Adding annuities to your financial portfolio can provide a range of benefits

Income: Annuities can provide a guaranteed income stream, either for the near or long term²
Estate planning: You can use annuities to strategically transfer your wealth
Tax advantages: Your money grows tax-deferred; you pay no taxes until you withdraw³
Liquidity: Access your money through a range of flexible options to create an income stream that you can't outlive²

Related investing and financial information

Retirement Planning 101

Develop or refine your savings strategy with a lesson on the information and tools you'll need to build the retirement you want

Watch video^†

How much should I save for retirement?

See if you're on track with your retirement savings and how much you should invest to work towards your goal

Get started

Life Insurance

An important part of your financial plan, life insurance can help ensure a bright future for your loved ones

Find out more

About TD Wealth

Discover the benefits of working with TD Wealth and a local Financial Services Representative.

Find out more

Explore your options

In person

Call a TD Bank near you to schedule an appointment with a local Financial Services Representative to talk about the right annuities option for you.

Important Disclosures

The information, education and general descriptions contained herein are provided solely for informational and educational purposes. This material is not intended to be viewed or construed as a suggestion for you to take (or refrain from taking) a particular course of action or as the advice of an impartial fiduciary. This information should not be viewed as individual tax, financial or investment advice. Please consult your tax and/or financial adviser for information and advice specific to your individual circumstances.

¹All guarantees are based on the claims-paying ability of the issuing insurance company.

²Principal interest and future income are guaranteed by the issuing insurance company. Guarantees are based on the claims-paying ability of the issuer and the type of fixed annuity purchased.

³The taxable portion of distributions and withdrawals are generally subject to ordinary income tax rates, and if taken before age 59½ may be subject to a 10% federal tax penalty. Withdrawal charges may also apply.

TD Personal Financial Services is a unit of TD Wealth. Insurance products and services are offered through TD Wealth Management Services Inc., ("TDWMSI"), a licensed insurance agency and a subsidiary of TD Bank, N.A. TDWMSI represents the insurer in placing your insurance and may provide services to you for that insurer. TDWMSI will receive compensation from the insurer in connection with placement of your insurance. TD Bank and TDWMSI are affiliates.

^†By clicking on this link you are leaving TD Bank's website and entering a third-party website over which TD Bank has no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates (other than TD Ameritrade), is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

¹All guarantees are based on the claims-paying ability of the issuing insurance company.

²Principal interest and future income are guaranteed by the issuing insurance company. Guarantees are based on the claims-paying ability of the issuer and the type of fixed annuity purchased.

^†By clicking on this link you are leaving TD Bank's website and entering a third-party website over which TD Bank has no control.

Important Information

Investment Products and Insurance:
Not FDIC Insured
Not a Bank Deposit
Not Insured by any Federal Government Agency
No Bank Guarantee
May Lose Value

TD Private Client Group is a unit of TD Wealth® in the United States, which is a business of TD Bank N.A., member FDIC (TD Bank). TD Private Client Group provides its clients access to bank and non-bank products and services. Banking, investment and trust services are available through TD Bank. Securities and investment advisory products are available through TD Private Client Wealth LLC, member FINRA/SIPC (TDPCW). TDAM USA Inc. and Epoch Investment Partners, Inc. (Epoch) are federally registered investment advisers that provide investment management services to TD Wealth. TD Bank, TDPCW, TDAM USA, and Epoch are affiliates.

The information on this web site does not provide individual financial, legal, tax, trading or investment advice. Past performance is no guarantee of future results.

The content contained here should not be considered as investment advice or a recommendation of any particular security, strategy or investment product. The products and services presented here are not suitable for all investors. Particular investment or trading strategies should be evaluated relative to each individual’s objectives and risk tolerance. Readers are urged to seek professional advice with respect to their specific financial, legal, tax, trading or investment matters.

This content is for informational purposes only and is not an offer or solicitation to buy or sell any security or other financial product or instrument. TD Bank and its affiliates and related entities are not liable for any errors or omissions in the information or for any loss or damage suffered. Graphs and charts are used for illustrative purposes only and do not reflect future values or future performance of any security, strategy, or investment product.

Forward-looking Statements: Certain content presented here may contain forward-looking statements (“FLS”) that are predictive in nature and may include words such as “expects”, “anticipates”, “intends”, “believes”, “estimates” and similar forward-looking expressions or negative versions thereof. FLS are based on current expectations and projections about future general economic, political and relevant market factors, such as interest and foreign exchange rates, equity and capital markets, and the general business environment, assuming no changes to tax or other laws or government regulation or catastrophic events. Expectations and projections about future events are inherently subject to risks and uncertainties, which may be unforeseeable and may be incorrect in the future. LS are not guarantees of future performance. Actual events could differ materially from those expressed or implied in any FLS. A number of important factors including those factors set out above can contribute to these digressions. You should avoid placing any reliance on FLS. We may not update any FLS.

Affiliates: TD Bank and its affiliates and related entities provide services only to qualified institutions and investors. This content is not an offer to any person in any jurisdiction where unlawful or unauthorized. No part of this may be reproduced in any form, or referred to in any other publication, without express written permission.

TD Identity: The TD logo and other trade-marks are the property of The Toronto-Dominion Bank or a wholly-owned subsidiary, in Canada and/or other countries.

Investment Risks: Bonds are affected by a number of risks, including fluctuations in interest rates, credit risk, prepayment risk, and inflation risk. Corporate debt securities are subject to the risk of the issuer’s inability to meet principal and interest payments on the obligation and may also be subject to price volatility due to factors such as interest rate sensitivity, market perception of the creditworthiness of the issuer and general market liquidity. High yield, lower-rated securities are subject to additional risks such as increased risk of default and greater volatility because of the lower credit quality of the issues. Interest on municipal bonds is generally exempt from federal tax. However, some bonds may be subject to the alternative minimum tax and/or state or local taxes.

Equities may decline in value due to both real and perceived general market, economic industry conditions, and individual issuer factors.

International investing may not be suitable for every investor and is subject to additional risks, including currency fluctuations, political factors, withholding, lack of liquidity, absence of adequate financial information, and exchange control restrictions impacting foreign issuers. These risks may be magnified in emerging markets.

Contact a TD Wealth representative for more information about specific product or service offerings. Additional information is available upon request.

No legal or tax advice: TD Bank and its affiliates and associates do not provide legal or tax advice. In accordance with I.R.S. Circular 230, any tax advice in this material is not intended or written to be used, and cannot be used, by any recipient for the avoidance of penalties under federal tax laws.

Insurance: Life insurance and long-term care insurance are medically underwritten. Do not cancel your current policy until your new policy is in force. Your actual premiums may vary from any initial quote that you receive. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which surrender charges may apply may increase with a new policy. You should consult with your tax advisors regarding your potential tax liability on surrenders.

Third-party internet sites: By clicking on a third party URL or hyperlink, you will leave tdbank.com. TD Bank and its affiliates and associates are not implying any affiliates, sponsorship, endorsement with/of the third party or that monitoring is being done by TD Bank or any of its affiliates or associates of any information contained within the web site. TD Bank is not responsible for the information contained on the third party web site or your use of or inability to use such site, nor do we guarantee their accuracy or completeness.

Business continuity plan: TD Private Client Wealth LLC (TDPCW) is committed to provide ongoing service in the event of a significant business disruption. If a major event were to hinder our ability to conduct normal business operations, our business continuity plan would enable us to resume critical business, customer service and operations at secure alternative locations within a reasonable period of time.

Banking and Investing

Cards

Other