Annuities with TD

Annuities can help you reach your personal financial goals for retirement. We offer fixed and indexed annuities from leading providers, with a variety of options based on your goals and time frame.

What are the benefits of a fixed annuity?

  • Guaranteed income1 and predictable payments

    Annuities can provide a reliable income stream, which can be helpful for retirement planning

  • Principal protection

    Annuities can offer protection on principal, helping to avoid uncertainty during market downturns, and staying aligned with investment strategies

  • Tax advantages

    Earnings from annuities grow tax-deferred until withdrawals begin, allowing investments to compound over time

  • Customizable Options

    Annuity products available through TDWMSI TD Wealth Management Services Inc., a licensed insurance agency, allows you to select annuities and riders that meet your specific financial goals and risk tolerance

Gain financial confidence

There are many types of annuities that can help you work towards meeting your financial goals.

  • Fixed Annuity

    Enjoy the security of additional tax-deferred savings for retirement with guaranteed return of your principal and interest2

  • Indexed Annuity

    Pay into your investment and take advantage of tax-deferred savings for retirement with guaranteed principal protection from market downturns with the potential for growth tied to a market index

  • Single premium immediate annuity

    Pay into your investment in one lump sum. Providing you with a steady stream of income immediately and for life2

  • Deferred income annuity

    Pay into your investment in one lump sum. Set your preferred frequency and income amounts for your annuity payments, and then delay those payments until a pre-determined point in time, allowing savings to grow before annuity income begins

Advantages for retirement and beyond

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

  1. Income: Annuities can provide a guaranteed income stream, either for the near or long term3

  2. Estate planning: You can use annuities to strategically transfer your wealth

  1. Tax advantages: Your money grows tax-deferred; you pay no taxes until you withdraw4

  2. Liquidity: Access your money through a range of flexible options to create an income stream

Connect with a TD Wealth Advisor

Our TD Wealth Advisors are available for a complimentary consultation to start planning for your future.

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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.

2Dependent on the chosen payment structure

3Principal 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.

4The 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.

 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.

TD Wealth® is a business of TD Bank, N.A., Member FDIC (TD Bank). Banking, investment management and trust services are available through TD Bank. Securities and investment advisory services are available through TD Private Client Wealth LLC (TDPCW), a US Securities and Exchange Commission registered investment adviser and broker-dealer and member FINRA/SIPC. Epoch Investment Partners, Inc. (Epoch) is a US Securities and Exchange Commission registered investment adviser that provides investment management services to TD Bank and TDPCW.  

TD Wealth Management Services Inc. (TDWMSI) is a licensed insurance agency.

TD Bank, TDPCW, Epoch and TDWMSI are affiliates.

Deposit products and related services offered by TD Bank, Member FDIC.

The TD Wealth® and other TD trademarks are owned by The Toronto-Dominion Bank or its affiliates and are used under license.

©2025, TD Bank, N.A. All Rights Reserved.

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INVESTMENTS, SECURITIES AND ANNUITIES | NOT A DEPOSIT | NOT FDIC-INSURED | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY | NOT GUARANTEED BY THE BANK | MAY GO DOWN IN VALUE

TD Wealth® is a brand of TD Bank N.A.,  (TD Bank). Banking, investment management, and trust services are available through TD Bank.

Securities and investment advisory products are available through TD Private Client Wealth LLC (TDPCW), a US Securities and Exchange Commission registered investment adviser and broker-dealer and member FINRA/SIPC. Epoch Investment Partners, Inc. (Epoch) is a US Securities and Exchange Commission registered investment adviser that provides investment management services to TD Wealth.   

TD Wealth Management Services Inc. (TDWMSI) is a licensed insurance agency that offers insurance products.

TD Bank, TDPCW, Epoch and TDWMSI are affiliates.

Deposit products and related services offered by TD Bank, Member FDIC.

The TD Wealth® and other TD trademarks are owned by The Toronto-Dominion Bank or its affiliates and are used under license. 

©2025, TD Bank, N.A. All Rights Reserved.

TD Wealth® is a brand of TD Bank N.A.,  (TD Bank). Banking, investment management, and trust services are available through TD Bank.

Securities and investment advisory products are available through TD Private Client Wealth LLC (TDPCW), a US Securities and Exchange Commission registered investment adviser and broker-dealer and member FINRA/SIPC. Epoch Investment Partners, Inc. (Epoch) is a US Securities and Exchange Commission registered investment adviser that provides investment management services to TD Wealth.   

TD Wealth Management Services Inc. (TDWMSI) is a licensed insurance agency that offers insurance products.

TD Bank, TDPCW, Epoch and TDWMSI are affiliates.

Deposit products and related services offered by TD Bank, Member FDIC.

The TD Wealth® and other TD trademarks are owned by The Toronto-Dominion Bank or its affiliates and are used under license. 

©2025, TD Bank, N.A. All Rights Reserved.