What Do Annuities Cost? 
Most Fixed Annuities cost nothing . Meaning that they have no fees that deduct from the account or that you have to pay out of pocket . Some Fixed Annuities do offer Riders that you pay a yearly fee for . These Riders usually guarantee a lifetime of income , a death benefit , or provide some other enhanced benefit . The fee is usually taken as a percentage of the Account Value . Fees can be as low as 0.2 % all the way to slightly over 1 % , it all depends on the benefit chosen and the company . Variable Annuities do automatically come with fees . They charge a M&E fee along with investment expenses . Consult a Variable Annuity Agent for specific info . 