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Deferred Annuities

With a deferred annuity you can earn interest on your money now and pay taxes later.

Is a Deferred Annuity right for you?

A deferred annuity let’s you earn a guaranteed interest rate on your money and delay the payment of income until you’re ready to receive it.1 This allows you to protect your principal and help grow your money during that time. It can be an excellent addition to a retirement investment portfolio.

A deferred annuity will also let you:

  • Ease the worry of the ups and downs of the stock market
  • Provide an income for yourself that you can never outlive
  • Grow your earnings tax deferred
  • Transfer/Rollover funds from a matured CD or lump sum distribution
  • Establish or transfer an existing IRA or Roth IRA2

How do our Deferred Annuities work?

Our deferred annuities allow you to reduce your tax burden by earning tax-deferred growth on your annuity.1 Tax deferral helps an annuity grow at a faster rate than taxable interest accounts like money market funds and certificates of deposit because your money grows in three ways—your premium earns interest, your interest earns interest, and the money you would have paid in taxes remains in your account to earn interest. Current tax laws allow for the deferral of income taxes on an annuity's earnings until they are withdrawn.

You can ensure your principal is safe with a guaranteed minimum rate of return. In addition, you can gain access to funds if needed. Although deferred annuities are designed to be long-term retirement accumulation vehicles, we know there may be times when you need access to your funds earlier than expected. With that in mind, you'll be glad to know that all deferred annuities offered through AAA Life include a withdrawal provision.

AAA Life Insurance Company offers several annuity options, each with unique features. Choose the option that best fits your specific retirement goals and needs.

EliteGuarantee Annuity®
You should consider an EliteGuarantee annuity if you want to make a single premium payment and lock-in an interest rate for more than one year. The EliteGuarantee annuity provides you with a 3-year guaranteed interest rate. Once the initial rate guarantee period expires, you have the option to renew for the same period of time.

Platinum Bonus Annuity®
Our Platinum Bonus annuity features a competitive fixed interest rate that’s guaranteed for the first 12 contract months3. Keep in mind that the 1st year rate you'll earn is based on the amount of your initial premium and includes a first-year bonus rate. Flexibility of premium payments is another key feature. You can decide when you add to your annuity without having a fixed scheduled to do so.

Ready to get started with a deferred annuity from AAA Life? Just give us a call at 1-855-880-5750.

If you already have a dedicated amount of funds that you want to guarantee an income stream, consider an immediate annuity.

Disclaimers & Disclosures

1Annuities are not considered short-term investments. Surrender charges may apply, and the fees and charges associated with a fixed-rate annuity are usually higher than other investments like certificates of deposit. Under current tax law, earnings withdrawn before age 59 1/2 may be subject to IRS penalty. Withdrawals exceeding 10% of the accumulation value are also subject to a contractual withdrawal schedule included in each contract.

2IRAs and Qualified Plans already provide tax-deferral of earnings. There is no additional benefit from the annuity's tax deferral feature. An annuity should be used to fund an IRA when its features, other than tax-deferral, are beneficial.

3The first year declared interest rate is an annual effective yield that is guaranteed for the first contract year. It is separate from the contract's Guaranteed Minimum Interest Rate that is effective for all contract years.

EliteGuarantee Contract Form Series: ICC11-4101, DA-4101; Platinum Bonus Contract Form Series: ICC11-4111,

AAA Life Insurance Company and its agents do not provide legal or tax advice. Therefore, you may wish to seek independent legal, tax, or financial advice prior to the purchase of this contract.

This information is not a contract. All descriptions are intended solely to inform you about the many features of annuities. The contract and its endorsements determine exact product features and benefits.