Fixed Annuities
Annuities are insurance contracts. A fixed annuity offers a declared interest rate for a specified period. Interest-crediting methods, surrender periods, withdrawal restrictions, fees, and optional riders vary by contract and issuing insurer.
Fixed Indexed Annuities
A fixed indexed annuity credits interest based in part on the performance of an external index, subject to caps, participation rates, spreads, floors, and charges. The contract does not directly invest in the index, and index-linked crediting is not guaranteed.
Retirement-Income Planning
Certain annuity contracts may provide lifetime-income options through annuitization or applicable income features, subject to the contract terms and the issuing insurer's claims-paying ability.
Legacy & Beneficiary Planning
Strategies to help position beneficiaries and transfer value efficiently, subject to your individual circumstances and applicable laws.
Safety First. Always.
Retirement education at Open Doors prioritizes protecting what you've built. We focus on predictability and guarantees backed by the claims-paying ability of the issuing insurance company—not on speculative promises.
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Insurance product availability varies by state and carrier. Guarantees are based on the claims-paying ability of the issuing insurance company. This website is for educational purposes only and is not individualized financial, tax, or legal advice. Individual results vary.