Due Annuity

Fixed Annuity Plan

Your Due Annuity Account comes with a 3.5% guaranteed interest rate on your money. No hidden fees. Just a simple retirement plan for people like me and you.

Take control of your retirement

See exactly how much money you will get on a monthly basis once you retire. With our simple Annuity Calculator you can see how much money you will have coming into your bank account. Got a bonus you want to put to retirement, easy.


No catch. Your get 3.5% a month on your money. Deposit money each month and know exactly how much money you’ll have when you retire. Got unexpected expenses? You can cash out your annuity money you’ve invested at any time.

Annuity Rates

Simple calculation, you get 3.5% on everything you deposit into your Due annuity plan. When you retire at 65+ you get a fixed monthly fee for the rest of your life. This isn’t a variable rate, this is a fixed annuity that you will get till you die.

Why choose Due for your custom Annuity program?

WSJ Reported that the #1 worry for people when they retire is running out of money. No more worries. There are no tricks up our sleeves. We don’t have some complex algorithm. We keep it simple. We don’t have you take on the risk. We guarantee a fixed monthly percentage and stick to it. Start a Due private annuity online in minutes. We’re on a mission to help everyone enjoy a worry-free retirement, by creating a annuity that’s fit for the 21st century.

You Are Always in Control

You can invest as much as you would like each month, no limits. The more you invest, the more you’ll get each month when you retire.


Want to cash-out your annuity? You can cash out at any time. Yes, there are a few fees to bring out your money early. Typically this ranges from 2% – 8% as your money is invested. The longer you have your money invested, the lower that fee becomes.


Annuity Plan

How do I open a Due annuity account?

It’s pretty simple. Click the signup button, enter in all the information that we require for getting your Due retirement account all setup and then setup how much money you’d like to deposit into your account each month. Total process on average takes around ten minutes to setup.

If you have any problems setting up your Due annuity account please contact our support team and we’ll help to get you setup.

Keep in mind, we will never contact you via phone and ask for personal information. We require each person to have two-factor authentication setup in order to fund their annuity account.

Do I need a credit check to setup an Annuity Plan with Due?

When setting up your account we require all credit information but we do not perform or pull your credit.

There will be times when partners or banks that we work with will have to perform a credit check. This is required in some circumstances to open an investment account.

How does the fineprint on my annuities account work?

Great question, it’s pretty simple. We setup an account in your name and invest the money that you entrust with our company.

Due charges a monthly fee of $10. This money goes towards the management and growth of our company.

Due give 3% interest on all the money you have in the Due platform. We then invest the money and take on the risk. We guarantee you a rate of 3% on your money. You do not receive any more or any less than this amount.

Due tells you at any time how much money you’ll receive for the rest of your life. When you turn 65 years old (or a predetermined age you choose) you will receive a “deposit” into your bank account on the 1st or 15th (you can choose) of each month.

You can withdraw your money at any time. Typically if you withdraw your money before the age of 65, we require you pay a 10% penalty fee. The reason behind this is that we have your money invested in longer term investments that have large penalties for taking out your money. When we invest the money like this, it allows us to give predictable returns for our customers. Special note: Withdrawals before age 59½ may be subject to a 10% IRS penalty tax in addition to this amount.

All investments involve risks, including the possible loss of capital. While this isn’t the goal, it is a possible outcome. With that said, we invest every dollar of your money into Charles Schwab account where your money is managed by two of the top investment firms in the nation: Blackstone (NYSE: BX), and ATHOS Private Wealth. Both of which have a very good reputation.

Got additional questions, message us via support at anytime!

How much money can I contribute each month?

That really depends on you. We do not limit the amount of money that you can contribute to your annuity account each month.

Here are a few recommendations and guidelines on how much you should be investing. Note, we’re not financial advisers but want to help give you the best info possible.

1. Make sure you’re maxing out your 401k, Roth IRA, HSA Accounts and all other investment accounts that will help long term. Especially matched benefits programs like 401k before putting in money.

2. Start with a healthy amount each month. This might be $20, $200 or $1000 a month. The more you put into your account, the more you’ll get each month.

3. How much money do you need each month when you retire? Check out our annuity calculator to help you back out how much money you need to put in each month to have the appropriate amount of monthly money coming to you each month

We don’t recommend putting in more money than you can afford to invest. Don’t pull money from a credit card to put in your annuity account. Yes, there are people who have and we don’t recommend it. Don’t borrow money. If there are debts that you owe and we receive a legal notice, we will be required by law to withdraw the money from your account. This could include unpaid hospital bills, unpaid taxes, etc. All investments involve risks, including the possible loss of capital. Don’t invest more than you could afford to lose.

How easy is it to withdraw my money?

It’s pretty simple. Login to your Due annuity account and request a withdraw. You’ll have to verify a few things. This will also include a call from our customer service team to confirm the withdrawal. This can take up to five business days to fully fund.

Special note: if you withdraw before your retirement target date, you could impose up to a 10% early withdrawal fee on your money as it’s invested in long term investments and we have to pull out of those positions.

Is it better to take annuity or lump sum?

There are benefits to both a monthly annuity or a lump sum. Lets walk you through a few benefits and drawbacks to each option to help you make the best decision when you decide to retire.

A monthly annuity is a sum of money that gets deposited in your bank account each month. People like this because it’s guaranteed income (though much smaller amount) that helps you not worry about running out of money for the rest of your life. The biggest drawback is that you won’t have a bunch of money to put into a different investment that requires a lot of money.

A fixed lump sum is a great option if you’re wanting to make a large purchase like real estate or something similar, starting a business or if you’re wanting to invest the money yourself into the stock market. You could potentially gain a lot of money but do risk losing a large amount. Taxes can also be a negative factor when pulling out large sums of money from your annuity.

What are the different types of annuities?

There are many different types of annuities. Each one has their advantages. Our customers genuinely know Due as a fixed annuity program as we payout monthly, but many people can fit their type of annuity into our program.

Deferred Annuity – A deferred annuity is a form of annuity that Due offers. This is for people like me and you what want to build up a nest egg annuity before we retire. We defer our payments until a future date. In most cases when you retire at 65. Deferred annuities are very popular for people looking to have guaranteed income in the future. Some people prefer to defer these payments until they stop working which could be long into their 70’s. It’s really up to you!

Fixed Annuity – Fixed annuities are fixed interest investments issued by insurance companies like Due. These types of annuities pay guaranteed rates of interest. We find these genuinely are higher than bank CDs. In most cases you can defer income to a later date (in our case at your retirement age) or draw income immediately (if you’re wanting to get money right now. We offer both options for fixed annuities. Our customers love the guaranteed fixed investment to help them predict their retirement.

Immediate Annuity – An immediate payment annuity is very similar to a  life insurance policy. Instead of waiting years, you can deposit a large sum of money in exchange for regular income each month. This is typically invested for 12+ months before you start receiving the monthly annuity payout. You have to be comfortable sacrificing a large sum of money in your bank account for monthly money deposited into your account.


Variable Annuity –  These types of annuities are typically put into subaccounts (mutual funds). How much money the annuity is worth depends on how well the total value of the mutual fund performs over the period of time divided up all the among the accounts. If they perform bad, they will not pay out that well. Variable annuities are popular among retirees that want a little bit more than the average fixed annuity will return.

Fixed Indexed Annuity –  A fixed indexed annuity is genuinely a rate that is attached to a specific fund or something like the S&P overall performance. Fixed indexed annuities typically offer a guaranteed minimum income benefit with a small chance of an increase if the fund invested in performs above average. A huge drawback to these types of annuities is that they typically perform a little off the market and don’t gain like you would if you invested in a more risky type of annuity.

How much does a $100,000 annuity pay per month?

Using our annuity calculator you can find out this information. A lot of the data behind this depends on how old you are. Here are a couple quick reference points, keep in mind that they are not exact numbers as we don’t have your age:

  • If you’re 30 years old right now and you don’t deposit any more money you’ll receive $10,049 yearly. This comes out to $837 a month for the rest of your life.

    If you add $100 a month, you’ll receive $12839 yearly. This comes out to $1070 a month for the rest of your life.

    If you add $500 a month, you’ll receive $23,997 yearly. This comes out to $2000 a month for the rest of your life.

  • If you’re 40 years old right now and you don’t deposit any more money you’ll receive $7,477 yearly. This comes out to $623 a month for the rest of your life.

    If you add $100 a month, you’ll receive $9177 yearly. This comes out to $765 a month for the rest of your life.

    If you add $500 a month, you’ll receive $15,974 yearly. This comes out to $1331 a month for the rest of your life.

  • If you’re 50 years old right now and you don’t deposit any more money you’ll receive $5,564.16 yearly. This comes out to $463.68 a month for the rest of your life.

    If you add $100 a month, you’ll receive $6,572 yearly. This comes out to $548 a month for the rest of your life.

    If you add $500 a month, you’ll receive $10,003 yearly. This comes out to $834 a month for the rest of your life.

  • If you’re 65 years old right now and you don’t deposit any more money you’ll receive $3,678.60 yearly. This comes out to $306.55a month for the rest of your life.

As you can see, that number grows significantly if you start putting in $500 – $1000 a month when you’re in your 30’s and 40’s.

How long does an annuity last?

Great question. We have built our “annuity” type of a program so that it will payout money for the remainder of your life. The more money you deposit into your account, the more money you’ll get each month. 

Every annuity account in Due has the ability to cash out at any time. 

Once you start receiving monthly payments, the value of the cashout will go down each month. This will continue to go down until it reaches zero. You’ll still receive monthly money until you die despite not having anything to cash out.

Monthly money will continue to be deposited in yours and your partners account until both of you die.

If you and your legal partner die before your “lump sump” money runs out, your “dependents” will be required to withdraw the money. We do require adequate documentation. Please contact support if this is the case.

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Today we’re going to teach you about an Annuity. Regardless of your financial goals and status, everyone needs to have a plan for retirement. Unfortunately, 64% of Americans have reported that they are not prepared for retirement. More troubling is the fact that 48% don’t even care.


While there are a variety of reasons, like not having enough money to save, the fact is you need to think about your retirement yesterday. Even if you begin stashing money away in a savings account each month is better than nothing. At some point though, you are going to have to step-up your retirement plan by investing in retirement savings vehicles like a 401(k) or an IRA.


But, have you also considered additional retirement plans like annuities? If not, you may want to. Although frequently misunderstood, it can be an effective way to generate a stream of lifetime income — guaranteed.


If that sounds too good to be true, then dive into the following annuities guide. It will explain everything that you need to know about annuities so that you can determine if they fit into your retirement plan.


What You’ll Find in This Guide

In this guide, we’ll look at the pros and cons of annuities. We’ll discuss the options and the values, and we’ll explain what you need to know as you consider using this financial tool to give yourself a more secure financial future.

While all annuities swap a customer’s payments for a future return, annuities come in a range of different versions. In addition to being either deferred or automatic, they can also be variable or fixed, and they can be limited and set for life. Their values vary over time and the rates that they deliver to customers can also vary between insurance companies.

As you consider adding an annuity to your financial toolbox, we’ll make sure that you have the information you need to decide whether this tool suits you and which kind of annuity suits you best.

An Overview of Annuities

Before getting too far ahead of ourselves, let’s quickly explain what an annuity is.


Believe it or it’s actually an insurance product. Specifically, it’s a contract between you, the annuitant, and an insurance company where you’ll make a single payment or series of payments, also known as premiums. In return, you’ll receive regular disbursements that begin either immediately or sometime in the future.


That may sound confusing. And, that’s to be expected. After all, annuities can be very complex. So, the easiest way to think of an annuity is when you purchase travel insurance or a warranty on a new vehicle. They offer protection in case your trip gets canceled or your car breaks-down. Annuities guarantee that you’ll receive a steady income for the rest of your life.


Because of this, annuities are often used as a way to save for retirement. When you go this route, you’re essentially paying an insurance entity to grow that money. And, more importantly, send you payments when you retire.


However, some prefer to convert their savings into a stream of retirement income. But, you do have the option to do both. If so, the insurance company will delay the pay-out until the future.

While this might be a lot to wrap your head around, the main takeaway should be this; with annuities, you pay an insurance provider. As a result, they’ll assume the risk of you outliving your retirement savings if you happen to outlive your income. What’s more, you’re also safe from market risks.

Chapters - Annuity Chapters

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