An Education-First Guide · 2026 Edition

The Smart Buyer's Guide
to Fixed Annuities

Understand them. Compare them. Buy one with total confidence — in plain English, with pictures instead of fine print, and no sales pressure anywhere.

No spam, ever — just the download link.
01
What They Are
And the three jobs they do
02
How the Money Works
Rates, taxes, and access
03
How Safe They Are
The layers behind the guarantee
04
How to Buy One
Step by step, on your terms
What's Inside

Your Map for the Next 20 Pages

Eight short parts. Read them in order, or jump straight to the question on your mind — each part stands on its own.

1
PAGE 4
Is a Fixed Annuity Right for You?
What one actually is, the three jobs it can do, and the honest trade-offs.
2
PAGE 7
The Types of Fixed Annuities
MYGA, FIA, SPIA, DIA — the family tree, and which member does what.
3
PAGE 12
How the Money Works
Rates, index crediting, tax deferral, surrender schedules, and access.
4
PAGE 14
Understanding the Guarantees
Carrier strength, ratings, and how state guaranty associations work.
5
PAGE 15
Taxes & Your Money
Qualified vs. non-qualified, withdrawals, 1035 exchanges, beneficiaries.
6
PAGE 17
The Buying Process, Step by Step
From goal to funded contract — including your built-in free look.
7
PAGE 18
Questions to Ask Before You Sign
The checklist that protects you with any advisor, anywhere.
8
PAGE 19
Your Fixed Annuity Checklist
A one-page summary to keep beside you when you decide.
Devin Shave, Founder of Annuity Radar
"This guide won't try to sell you anything. Its only job is to give you what a good advisor would — how these products work, what the trade-offs are, and how to judge any offer with confidence, whoever it comes from." — Devin Shave, Founder, Annuity Radar

Read It Whenever Works for You

Just your name and email above and it's yours. If a question comes up while you're reading, Devin answers those personally too.

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