Annuities, Annuity, annuity rates


Annuities are long-term solutions designed to protect assets set aside for a specific use. Regardless of market conditions, annuities are one of the most popular and flexible ways to maximize the power of tax deferral and take some of the guessing out of saving for retirement. At the same time they give these assets an opportunity to appreciate in value, keep pace with inflation or even provide lifetime income.

Simply put, an annuity is an investment contract issued by an insurance company. You pay no income tax on your earnings until you withdraw your money or begin receiving payouts. As a result, your money can grow faster than it would in a taxable account. Unlike a qualified retirement plan or an IRA, however, a tax-deferred annuity has no contribution limit.

In addition, most of the annuities available through SunTrust Investment Services, Inc. offer principle protection, which are subject to the claims-paying ability of the issuing insurance company. Electing principle protection guarantee may carry an additional fee.

Different types of annuities are designed to meet different investment goals. Your insurance-licensed SunTrust Advisor can help you choose a plan with features that address your individual goals and attitudes.

  • Fixed annuities can be an excellent way to save for your retirement because they provide a fixed rate of return for a specific term and help protect you from market volatility.
  • Variable annuities1 fluctuate in value with market conditions, but they offer the potential for higher investment returns over the long run.
  • Immediate annuities2 are a way to turn retirement savings into a retirement income stream that will last either a set period of time or throughout your life and/or your spouse's life.

Annuities can be used to protect asset values, current and future income streams, and even assets meant to be transferred to the next generation. All guarantees are based on the claims paying ability of the issuing insurance company.

Annuity solutions for you
SunTrust Investment Services representatives have access to some of the most innovative annuity products from the best providers in the industry. They will work to assess your individual situation and then help you determine the solution that best address your particular needs.


1Variable annuities are long-term investments and involve fees and expenses not typically associated with other investments. Surrender charges may apply in the early years of an annuity contract. Earnings will be taxed as ordinary income at withdrawal. Withdrawals prior to age 59½ may be subject to a 10 percent penalty. Variable annuities values fluctuate so that an investor’s shares, when redeemed, may be more or less than their original cost. Investing in variable annuities through a tax-deferred retirement plan such as an IRA will gain no additional tax advantages, and under these circumstances one should consider buying an annuity only if it makes sense because of other features, such as lifetime income payment and death benefit protection.

2Immediate annuities are generally irrevocable contracts made between a contract owner and an insurance provider. Clients considering this option should plan to have adequate liquidity outside of any immediate annuity contract. In cases where immediate annuity contracts can be liquidated, clients should expect to receive an amount significantly less than what was invested.

Investors should carefully consider the investment objectives, risks, and charges and expenses of a variable annuity before investing. This and other information can be found in the prospectus for the contract and its underlying investment options which can be obtained from your investment consultant. Please read it carefully prior to investing.

Contact Us

To speak with a Private Wealth Management advisor:

  • 866.495.5416

Investment and Insurance Products:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

© 2016 SunTrust Banks, Inc.

Equal Housing SunTrust Bank is an Equal Housing Lender. Member FDIC.

Equal Housing Equal Housing Lender. SunTrust Mortgage, Inc.

SunTrust, SunTrust Mortgage, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan and SunTrust SummitView are federally registered service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners.

Services provided by the following affiliates of SunTrust Banks, Inc.: Banking and trust products, including investment advisory products and services, are provided by SunTrust Bank, member FDIC. Trust and investment management services are provided by SunTrust Bank, SunTrust Delaware Trust Company and SunTrust Banks Trust Company (Cayman) Limited. Securities, brokerage accounts, insurance (including annuities) and investment advisory products and services are offered by SunTrust Investment Services, Inc., a SEC registered investment adviser and broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by SunTrust Advisory Services LLC, SunTrust Investment Services, Inc., and GenSpring Family Offices, LLC, each of which is registered as an investment adviser with the U.S. Securities and Exchange Commission. Mortgage products and services are provided by SunTrust Mortgage, Inc.

SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, toll free 1-800-634-7928 CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee #MB-989, Department of Financial and Professional Regulation, 100 W. Randolph, Suite 900, Chicago, IL 60601, 1-888-473-4858, MA: Mortgage Lender license #-ML-2915, NH: licensed by the New Hampshire Banking Department, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, and RI: Rhode Island Licensed Lender.

"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., a SEC registered investment adviser and broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products, and other investment services; SunTrust Advisory Services LLC, a SEC registered investment adviser which provides Investment Advisory services.

SunTrust Private Wealth Management, International Wealth Management, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are marketing names used by SunTrust Bank, SunTrust Banks Trust Company (Cayman) Limited, SunTrust Delaware Trust Company, SunTrust Investment Services, Inc., and SunTrust Advisory Services LLC.

SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.