Annuity laddering involves purchasing multiple annuities with different start dates, term lengths, or interest rates — similar to CD laddering. This strategy provides flexibility, captures potentially rising rates, avoids locking all your money into a single surrender period, and creates staggered income streams.
This answer is provided for general informational purposes only and does not constitute financial advice. Every family’s situation is different. For personalized guidance, schedule a free consultation with our team.
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