{"schemaVersion":"ready-scan.resource-sources.v1","locale":"zh-Hant","path":"/zh/sources/source-05bee4834bb6d779","canonicalUrl":"https://knowledge.readyscan.ai/zh/sources/source-05bee4834bb6d779","machineUrl":"https://knowledge.readyscan.ai/zh/discovery/sources/source-05bee4834bb6d779.json","page":1,"pageSize":48,"totalCount":1,"totalPages":1,"previous":null,"next":null,"kind":"source","source":{"id":"source-05bee4834bb6d779","url":"https://thejordaninsuranceagency.com/faq/annuity-vs-cd-nc","title":"The Jordan Insurance Agency: /faq/annuity-vs-cd-nc","publisher":"thejordaninsuranceagency.com","publicationCount":1,"modifiedOn":"2026-10-27","path":"/zh/sources/source-05bee4834bb6d779","canonicalUrl":"https://knowledge.readyscan.ai/zh/sources/source-05bee4834bb6d779","machineUrl":"https://knowledge.readyscan.ai/zh/discovery/sources/source-05bee4834bb6d779.json"},"items":[{"key":"subject:Q140924162","citations":[{"id":"source-05bee4834bb6d779","url":"https://thejordaninsuranceagency.com/faq/annuity-vs-cd-nc","title":"The Jordan Insurance Agency: /faq/annuity-vs-cd-nc","publisher":"thejordaninsuranceagency.com","accessedOn":"2026-10-27"}],"editions":[{"language":"en","title":"The Jordan Insurance Agency","description":"Independent insurance agency in Charlotte, North Carolina.","path":"/entities/the-jordan-insurance-agency-q140924162","canonicalUrl":"https://directory.readyscan.ai/entities/the-jordan-insurance-agency-q140924162","machineUrl":"https://directory.readyscan.ai/discovery/entities/the-jordan-insurance-agency-q140924162.json","modifiedOn":"2026-10-27"}],"subject":{"slug":"the-jordan-insurance-agency-q140924162","name":"The Jordan Insurance Agency","questions":[{"question":"Is an annuity or a CD better for safe money?","path":"/entities/the-jordan-insurance-agency-q140924162#company-answer-content-native-digital-agencies-28ec2c5aac32f62c-a-2e976ceab157ec11d741"},{"question":"Are annuities FDIC-insured like CDs?","path":"/entities/the-jordan-insurance-agency-q140924162#company-answer-content-native-digital-agencies-28ec2c5aac32f62c-a-e52b481e3af7162681d3"},{"question":"How are a CD and an annuity taxed differently?","path":"/entities/the-jordan-insurance-agency-q140924162#company-answer-content-native-digital-agencies-28ec2c5aac32f62c-a-34931a6937dd445a8c4f"},{"question":"Can I get my money out of an annuity early like a CD?","path":"/entities/the-jordan-insurance-agency-q140924162#company-answer-content-native-digital-agencies-28ec2c5aac32f62c-a-3a50e7422c6b5ea352df"},{"question":"How do I judge whether a fixed annuity is safe?","path":"/entities/the-jordan-insurance-agency-q140924162#company-answer-content-native-digital-agencies-28ec2c5aac32f62c-a-35587eb08c2fa37c8d24"}],"facts":[{"id":"content-native-digital-agencies-28ec2c5aac32f62c-a-2e976ceab157ec11d741","label":"Is an annuity or a CD better for safe money?","value":"“A bank CD and a fixed or MYGA annuity differ in backing, taxes and access. CDs at FDIC-insured banks have deposit insurance within the applicable limits and ownership rules; an annuity is not FDIC-insured and depends on its insurer’s financial strength.”","path":"/entities/the-jordan-insurance-agency-q140924162#company-fact-content-native-digital-agencies-28ec2c5aac32f62c-a-2e976ceab157ec11d741","questionPaths":["/entities/the-jordan-insurance-agency-q140924162#company-answer-content-native-digital-agencies-28ec2c5aac32f62c-a-2e976ceab157ec11d741"]},{"id":"content-native-digital-agencies-28ec2c5aac32f62c-a-e52b481e3af7162681d3","label":"Are annuities FDIC-insured like CDs?","value":"“No. Eligible bank CDs at an FDIC-insured bank have deposit insurance subject to the applicable depositor, institution and ownership-category rules.”","path":"/entities/the-jordan-insurance-agency-q140924162#company-fact-content-native-digital-agencies-28ec2c5aac32f62c-a-e52b481e3af7162681d3","questionPaths":["/entities/the-jordan-insurance-agency-q140924162#company-answer-content-native-digital-agencies-28ec2c5aac32f62c-a-e52b481e3af7162681d3"]},{"id":"content-native-digital-agencies-28ec2c5aac32f62c-a-34931a6937dd445a8c4f","label":"How are a CD and an annuity taxed differently?","value":"“CD interest in an ordinary taxable account is generally taxed when earned or credited. A non-qualified deferred annuity generally defers tax on earnings until a distribution.”","path":"/entities/the-jordan-insurance-agency-q140924162#company-fact-content-native-digital-agencies-28ec2c5aac32f62c-a-34931a6937dd445a8c4f","questionPaths":["/entities/the-jordan-insurance-agency-q140924162#company-answer-content-native-digital-agencies-28ec2c5aac32f62c-a-34931a6937dd445a8c4f"]},{"id":"content-native-digital-agencies-28ec2c5aac32f62c-a-3a50e7422c6b5ea352df","label":"Can I get my money out of an annuity early like a CD?","value":"“Compare the actual CD withdrawal terms with the annuity’s surrender schedule, permitted withdrawals, renewal provisions and free-look rights. Do not assume every annuity has the same surrender period or annual withdrawal allowance. A withdrawal free of insurer surrender charges may still have tax consequences, and an IRA-held CD has retirement-account distribution rules.”","path":"/entities/the-jordan-insurance-agency-q140924162#company-fact-content-native-digital-agencies-28ec2c5aac32f62c-a-3a50e7422c6b5ea352df","questionPaths":["/entities/the-jordan-insurance-agency-q140924162#company-answer-content-native-digital-agencies-28ec2c5aac32f62c-a-3a50e7422c6b5ea352df"]},{"id":"content-native-digital-agencies-28ec2c5aac32f62c-a-35587eb08c2fa37c8d24","label":"How do I judge whether a fixed annuity is safe?","value":"“Review the actual issuing insurer’s financial strength, current ratings and the rating agency’s definitions, as well as the contract guarantees, restrictions and costs. Ratings are opinions and can change; they do not guarantee payment or establish that a product suits you.”","path":"/entities/the-jordan-insurance-agency-q140924162#company-fact-content-native-digital-agencies-28ec2c5aac32f62c-a-35587eb08c2fa37c8d24","questionPaths":["/entities/the-jordan-insurance-agency-q140924162#company-answer-content-native-digital-agencies-28ec2c5aac32f62c-a-35587eb08c2fa37c8d24"]}]},"selected":{"language":"en","title":"The Jordan Insurance Agency","description":"Independent insurance agency in Charlotte, North Carolina.","path":"/entities/the-jordan-insurance-agency-q140924162","canonicalUrl":"https://directory.readyscan.ai/entities/the-jordan-insurance-agency-q140924162","machineUrl":"https://directory.readyscan.ai/discovery/entities/the-jordan-insurance-agency-q140924162.json","modifiedOn":"2026-10-27"}}],"versionId":"fnv1a64:d9b664a1cb498e8e"}