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Annuities

Annuities are well suited to long-term investors. They’re designed to provide a steady stream of retirement income and guaranteed payments.

  • Invested funds may grow tax-deferred
  • Options include both fixed and variable annuities

Annuity Options

BB&T Investment Services, Inc. offers two types of annuities that may support your investment strategy.

Fixed Annuity

  • A fixed annuity earns a guaranteed rate of return on the investment and a fixed, stable income in retirement.
  • At the end of the annuity period, your guaranteed rate may adjust up or down, depending on interest rates at the time.
  • May be more appropriate for conservative investors, such as individuals who are approaching retirement and those wishing to guard against market volatility.
  • Often the insurance company will also guarantee the full return of your principal.
  • Earnings are taxable as ordinary income when distributed and, if withdrawn before age 59½, may be subject to a 10% federal tax penalty.

Variable Annuity1

  • You may place money in any number of investment options.
  • Your total return will depend on the performance of your investments, and performance may vary from year to year.
  • Depending on the terms of the contract, beneficiaries may receive guarantees of principal or a stepped-up value of the account, minus any withdrawals.
  • Involves investment risks, may lose value and should be considered a long-term, tax-deferred investment vehicle designed for retirement.
  • Earnings are taxable as ordinary income when distributed and, if withdrawn before age 59½, may be subject to a 10% federal tax penalty.

Selected Providers

BB&T Investment Services, Inc. offers a wide range of annuities from many recognized providers2 in the industry, including:

  • Allianz
  • Axa
  • Genworth
  • Great American
  • The Hartford
  • ING
  • Jackson
  • Lincoln
  • MetLife
  • Midland National
  • Mutual of Omaha
  • Nationwide
  • New York Life
  • Pacific Life
  • Protective Life
  • Prudential
  • Sun America
  • Transamerica
  • Western National
  • Western & Southern

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