Annuities in Oregon — Guaranteed Income You Can't Outlive

Fixed Index Annuity (FIA)

Earn interest linked to a market index (like the S&P 500) with a 0% floor — you participate in market gains but never lose principal to market declines.

• ✓Principal is never at risk
• ✓Interest credited on index performance
• ✓Tax-deferred accumulation
• ✓Optional lifetime income rider

Multi-Year Guaranteed (MYGA)

The annuity equivalent of a CD — lock in a guaranteed interest rate for 3, 5, or 7 years. Often outperforms bank CDs with the added benefit of tax deferral.

• ✓Guaranteed rate for the full term
• ✓Better rates than most bank CDs
• ✓Tax-deferred growth
• ✓Flexible terms: 3, 5, or 7 years

Income Annuity

Convert a lump sum into a guaranteed monthly paycheck for life — or for a specified period. Think of it as your personal pension.

• ✓Guaranteed income you can't outlive
• ✓Joint life options for couples
• ✓Predictable monthly income
• ✓Complements Social Security

Oregon Income Tax on Annuity Distributions

Oregon taxes annuity income at the state level (up to 9.9%). However, tax deferral during the accumulation phase means your money grows faster — and you can control when you take income to manage your tax bracket in retirement.

Strong CD Alternative Market

Oregon retirees with savings in low-yield bank CDs are increasingly turning to MYGAs for better guaranteed rates with the same safety — plus the added advantage of tax-deferred growth.

Oregon Estate Tax Planning

Oregon has one of the lowest estate tax thresholds in the nation — just $1 million. Annuities with beneficiary designations can pass outside of probate and help manage the estate tax impact on your heirs.