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Annuity Education

Annuity Education

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  • What is the best annuity for you?
    • How to research and choose from
    • Fixed Set Rate Annuities
  • What is a Fixed Annuity?
    • Fixed Annuity Liquidity Features
  • Income For Life
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Fixed Annuity Liquidity Features

Fixed Annuity Liquidity Features

Fixed value annuities have maturity dates that you (the owner) get to decide and choose from. Maturity dates are very common, similar to other products such as bank CD’s. If you keep your funds in a bank CD, for example, all the way through maturity, you are guaranteed growth, but if you take out (bank CD) funds prior to maturity, then a penalty for early withdraw (a surrender charge) maybe applicable. It is the same way with a fixed value annuity, except you are usually allowed a percentage withdrawal every year, without a surrender charge, but surrender charges are applicable if you take out more than the exempt amount each year. At maturity you can keep the annuity continuing, or at any time after maturity, you can usually take out 100% of your funds without any surrender charges. At the annuity’s maturity date, there are no recurring surrender charges at all, ever again. Surrender charges are completely gone once you reach the maturity date. Usually upon death of the annuity owner(s), all surrender charges are waived for the beneficiary heirs, and the beneficiary will receive 100 % of the account value.

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*Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered Investment advisor, BCM and Walbridge Financial are independent of each other. Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents.
Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity products guarantees are subject to the claims, paying ability of the issuing company and are not offered by BCM. Index or fixed annuities are not bank products and are not FDIC insured. They are not designed for short term investments and my and subject to caps, restrictions, fees and surrender charges as described in the annuity contract.