How Much Does It Cost To Buy An Annuity Apr 2026

The "cost" of an annuity is rarely a single sticker price; instead, it is a combination of your and a variety of ongoing fees that vary by product complexity. While some buyers start with as little as $2,500, the national average investment is approximately $150,000. Initial Investment (Premium)

Most annuities include a commission paid by the insurer to the agent or broker. how much does it cost to buy an annuity

: Usually require at least $25,000 due to their more complex investment structures. Ongoing Fees and Charges The "cost" of an annuity is rarely a

Ongoing costs are typically higher for "variable" or "indexed" products and lower for "fixed" or "immediate" products. 1. Commissions (1% to 8%) : Usually require at least $25,000 due to

: Often require a lower entry point, typically between $5,000 and $10,000 .

: Often require a larger initial investment, frequently starting at $25,000 to $50,000 , because they begin paying out income immediately.