Liquidity or Accessibility - RMD Friendly
At age 70-1/2, the IRS requires you take a minimum distribution from these qualified products.
These annuities are RMD friendly. Allowing you make withdrawals each year starting in year 2. Other withdrawals maybe available. Keep in mind that any withdrawal of qualified money will be 100% taxable
Stretch Beneficiary Payments
Fixed Annuities allow your beneficiaries to "stretch" the death proceeds over the remainder of their livea. This can be a huge tax benefit to your heirs. In fact, you can even restrict the payout to your beneficiaries.