How Do Annuities Work In Retirement? 
Assuming that the annuities the inquiry is addressing is non-qualified , the following could be true . A few retirement planners use annuities as a tax deferred holding positions for mid-range periods of five years . Some retirement planners use a combination of tax deferred annuities with a 5 year immediate , a 5 year deferred , a 10 year deferred and a lifetime annuitization immediate annuities . Many retirement planners use lifetime annuities that their clients can never outlive . 