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When Single Premium Immediate Annuities Are Used for Retirement Income

Table of Contents

When Single Premium Immediate Annuities Are Used for Retirement Income

Stan Haithcock

February 3, 2026

When-Single-Premium-Immediate-Annuities-Are-Used-for-Retirement-Income

Short Answer

Single Premium Immediate Annuities are used at or near retirement to convert a lump sum of savings into guaranteed lifetime income with no market risk.

What Is a Single Premium Immediate Annuity?

A Single Premium Immediate Annuity is an annuity that provides lifetime income in exchange for a single lump-sum payment. It is described as a pension-style product with no market attachment and no moving parts.

How Single Premium Immediate Annuities Work

The annuity pays income for life to the individual, or to the individual and spouse, as long as they are alive. Payments are based on contractual guarantees rather than market performance.

How Single Premium Immediate Annuities Work Under Current Conditions

Single Premium Immediate Annuities are used when retirement income is needed. They transfer risk from the individual to the insurance company and provide income regardless of market conditions.

When Single Premium Immediate Annuities May Make Sense

They may be used by individuals approaching or entering retirement who want guaranteed lifetime income and cannot afford significant market losses close to the retirement date.

When Single Premium Immediate Annuities May Not Make Sense

They may not be appropriate for individuals who are younger and still focused on market accumulation rather than income generation.

Common Misunderstandings About Single Premium Immediate Annuities

A common misunderstanding is that annuities are complex or market-driven products. Single Premium Immediate Annuities are described as simple contracts designed solely to provide lifetime income.

Key Considerations for Single Premium Immediate Annuities

They are designed for income, not growth, and are based on contractual guarantees. The simplicity of the product is considered a benefit.

Bottom Line

Single Premium Immediate Annuities are used to create guaranteed lifetime income at retirement by converting accumulated savings into a pension-style payment stream.

FAQ

What is the purpose of a Single Premium Immediate Annuity?

To provide guaranteed lifetime income using a lump sum of savings.

Are Single Premium Immediate Annuities tied to the stock market?

No. They have no market attachment.

When are Single Premium Immediate Annuities typically used?

They are used when retirement income is needed.

Do Single Premium Immediate Annuities provide lifetime income?

Yes. Payments last for the life of the individual, or the individual and spouse.

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What Is A Qualified Longevity Annuity Contract (QLAC)?

What Is A Qualified Longevity Annuity Contract (QLAC)?

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