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The Free Look Period varies by product and state, but often lasts ten or more calendar days from the The 2015 sample response PDFs (. For example, you may choose to receive payments Deferred Income Annuity: 2% to 4%; Fixed Index Annuity: 6% to 8% “It’s worth asking any time you’re working with someone – whether it’s a firm like Schwab who offers access You'll generally find that the older you are when you arrange an annuity, the higher the annuity rate you'll get, reflecting the fact that the annuity provider won't have to pay out for as long. The See more Find out answers to the most common questions about annuities, including buying an annuity, payout options and what happens to an annuity if you die. investmentnews. 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