CONTACT Search Search INDIVIDUALS & FAMILIES | SENIORS | EMPLOYERS | PRODUCERS | WHY US | ABOUT US HOME > INDIVIDUALS & FAMILIES > ANNUITIES Tax-deferred investing option or guaranteed income for life. ManhattanLife offers three types of annuities to provide you with savings and income options for retirement. Our annuities combine various levels of flexibility, liquidity, risk, and return to best match your retirement needs—all with no set-up fees or administrative charges. ManhattanLife offers annuity contracts in all 50 states and Puerto Rico. RETIREMENT REALITIES Outliving Savings Almost half of Americans report that outliving their savings is their greatest retirement concern.1 Funding retirement remains one of the biggest economic and social challenges facing the world in the 21st century.2 Increasing Longevity Global average life expectancy increased by 5.5 years between 2000 and 2016, the fastest increase since the 1960s.3 Interest Rate Environment According to a 2019 FDIC report, the national interest rate on savings accounts hovered around 0.09% APY.4 In addition, the average interest rate for 5-year CDs fell from 1.48% to 1.14% in 2019 alone.5 MYGAs MULTI-YEAR GUARANTEED ANNUITIES Our MYGA products are designed to help you grow your savings with as little risk as possible. They lock-in a competitive and guaranteed fixed interest rate for up to 3, 5, 6, or 7 years. LEARN MORE FIAs FIXED INDEX ANNUITIES Our FIA products offer both market-linked growth and principal protection. With our FIAs, your money can grow during market upswings and will never decrease during market downturns. LEARN MORE SPIAs SINGLE PREMIUM IMMEDIATE ANNUITIES Our SPIA products provide a guranteed income stream based on the income option you choose. Have a Producer Contact Me FREQUENTLY ASKED QUESTIONS Is an Annuity Right for Me? What are the Benefits of Owning an Annuity? How Will the Value of My Annuity Grow? What Happens if I Take Some or All of the Money Out of My Annuity? What Happens if I Die? What Else Do I Need To Know? I've Decided to Purchase an Annuity, What Now? No matter which type of annuity you choose, be sure to carefully read and understand your annuity contract as soon as you get it. Ask questions of your insurance producer and consult your tax advisor for information about possible tax consequences. Neither Manhattan Life Insurance Company nor Western United Life Assurance Company, nor any of their insurance producers, provide legal or tax advice. Annuities are not insured by FDIC. They are not the product of, nor guaranteed by, any bank. Product availability may vary by the Owner's resident state, Annuitant's issue age, and/or initial single premium amount. Other restrictions may apply. Sources for statistics: 1White paper “Investing in (and for) Our Future”, World Economic Forum, June, 2019 ; 2Retirement Readiness Survey, Aegon Center for Longevity Transamerica Center for Retirement Studies and Instituto de Longevidade Mongeral, May, 2019. 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Coverages may be underwritten by the ManhattanLife Entities which consist of The Manhattan Life Insurance Company, Family Life Insurance Company, ManhattanLife Assurance Company of America, ManhattanLife of America Insurance Company, Western United Life Assurance Company, Standard Life & Casualty Insurance Company, and Western Skies MGU. The purpose of this communication is the solicitation of insurance. Contact may be made by the companies listed or one of our agents. The information contained on this Web Site does not constitute investment advice, and is not an offer to sell or a solicitation to buy any security or any insurance product. All insurance and/or securities transactions require signed agreements between the companies of Manhattan Life Group and its customers, and the terms of those agreements are binding on the parties. No other representation, whether made in person, online, electronically, in written, graphical, or verbal communication, may alter the terms of those agreements except that your use of this Web Site constitutes your agreement to the additional Terms of Use applicable to such use. Some products may not be available in all jurisdictions. In addition, any prospectus information available on this Site is posted for informational purposes only. Learn more OK SETTINGS