Annuities in North Carolina

Annuities can create predictable retirement income or protect savings from market swings. Dalton Insurance helps clients in Brevard, Asheville, and across North Carolina compare fixed annuities, fixed indexed annuities, and immediate income options. We explain terms clearly so you know how your money grows and how payments work with your Social Security and pensions.

Types of annuities

Fixed annuities

Provide a guaranteed interest rate for a set term. They can work like a tax deferred alternative to a CD.

Fixed indexed annuities

Credit interest based on an index with downside protection. Many offer optional income riders for lifetime payments.

Immediate and deferred income annuities

Turn a lump sum into a monthly check that starts now or at a future date you choose.



If legacy is a priority, you can also review life insurance to compare cost and benefits for loved ones.

Benefits and Considerations

Lifetime income choices

You can select payout options for your life or for you and a spouse, so income can last as long as needed.

Principal protection

Fixed and indexed designs avoid market losses. We still plan liquid reserves outside the annuity for flexibility.

Surrender periods and fees

Most contracts limit withdrawals during the early years. We explain free withdrawal amounts and how charges work before you commit.

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Annuity Questions

  • Are annuities FDIC insured

    No. They are backed by the issuing insurance company. We work with financially strong carriers and review ratings.

  • What if I need my money back

    Many contracts allow a portion to be withdrawn annually without penalty. Larger withdrawals may face charges during the surrender period.

  • Can I lose money in an annuity

    In fixed annuities, principal is guaranteed if you hold to term. Indexed annuities protect principal from index losses, though interest can be zero in a down year.

  • How is an annuity different from my 401k

    An annuity is an insurance contract that can provide guarantees. A 401k is an investment account. You can roll retirement funds into an annuity if guarantees fit your plan.

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