Guaranteed Income
You Can't Outlive
Fixed and indexed annuities that protect your retirement savings and provide lifetime income. No market risk, no guesswork.
The Basics
What Is an Annuity?
An annuity is a contract between you and an insurance company. You make a lump-sum payment or a series of payments, and in return, the carrier guarantees you income. That income can last for a set number of years or for the rest of your life.
Annuities work in two phases. During the accumulation phase, your money grows tax-deferred. You do not pay taxes on the gains until you start taking income. During the income phase, the carrier sends you regular payments on a schedule you choose: monthly, quarterly, or annually.
There are different types of annuities, but the ones we work with most are fixed annuities (a guaranteed interest rate, similar to a CD) and fixed indexed annuities (returns linked to a market index, but your principal is always protected). Both give you growth without the risk of losing money in a down market.
Guaranteed Retirement Income
How much income could your savings generate?
The amount of guaranteed income you receive depends on your age, the amount you put in, and the carrier you choose. Older buyers typically receive higher monthly payments because the payout period is shorter.
We compare rates across 25+ carriers to find the highest guaranteed income for your situation. A 15-minute call with a licensed specialist is all it takes to see your numbers.
Illustrative only. Actual income depends on age, carrier, and product selected.
Your Options
Three Types of Annuities We Offer
Each type serves a different goal. Your specialist will help you decide which fits your retirement plan.
Fixed Annuity
Predictable growth with no market exposure. Your rate is locked in from day one, and your principal is always protected.
- Simple to understand
- Guaranteed rate
- Principal protection
Fixed Indexed Annuity
Returns tied to a market index, but you never lose principal. Growth potential without the downside risk.
- Higher earning potential
- 0% floor on losses
- Flexible payout options
MYGA
Like a CD, but tax-deferred. Choose your term, lock your rate, and let it grow without paying taxes on the gains each year.
- Highest guaranteed rates
- Simple structure
- Tax-deferred growth
Not sure which type fits your situation? A licensed specialist will walk you through it.
Compare Your OptionsIs an Annuity Right for You?
Built for people who want certainty in retirement.
Annuities are designed for adults ages 50 to 80 who want their retirement income locked in, not left to chance.
You want growth without market risk
You have worked hard for your savings and you are not willing to gamble them on market swings. A fixed annuity gives you a guaranteed rate with zero exposure to losses.
You need a reliable income plan within 5 to 10 years
You are shifting from building wealth to protecting it. An annuity converts your savings into predictable income so you can plan your retirement with confidence.
You want guaranteed payments for life
No matter how long you live, your payments continue. An annuity removes the single biggest financial fear in retirement: running out of money.
Why an Annuity?
What happens with and without guaranteed income.
Savings accounts run out. Annuity payments do not. Here is the difference in plain terms.
Bank Savings Alone
- 1You retire with $200K in savings
- 2You withdraw $1,500/month to cover expenses
- 3After 11 years, your savings run out
- 4You still have bills, but no income to cover them
With a Fixed Annuity
- 1You convert $200K into a fixed annuity
- 2You receive guaranteed monthly income for life
- 3Your payments never decrease, regardless of the market
- 4You can't outlive your income
What You Get
Key benefits of an annuity.
Guaranteed income for life
Payments continue no matter how long you live. Your income does not depend on the stock market or interest rates after purchase.
Principal protection
Your money is never exposed to market losses. Fixed and fixed indexed annuities protect every dollar you put in.
Tax-deferred growth
No taxes on gains until you withdraw. Your money compounds faster because you are not paying taxes on growth each year.
No probate
Beneficiaries receive payouts directly. Your annuity bypasses probate, so your family gets the money faster and with less paperwork.
Flexible payout options
Choose how you receive income: lump sum, monthly payments, or lifetime income. You pick the structure that fits your retirement.
No management required
Set it and forget it. No portfolio rebalancing, no market watching, no investment decisions. The carrier handles everything.
FAQ
Common questions about annuities.
Still have questions? Our licensed specialists are happy to explain anything in plain language.
What is a fixed annuity?
A fixed annuity is a contract with an insurance company that guarantees a set interest rate on your money for a specific period. Your principal is protected, and your returns are predictable. It works similarly to a bank CD, but with tax-deferred growth.
How is a fixed indexed annuity different?
A fixed indexed annuity ties your returns to the performance of a market index, like the S&P 500. If the index goes up, you earn a portion of the gains. If it goes down, you lose nothing because there is a 0% floor protecting your principal.
What is a MYGA?
A Multi-Year Guaranteed Annuity (MYGA) locks in a fixed interest rate for a term you choose, typically 3 to 10 years. It is one of the simplest annuity products available. Think of it as a CD alternative with the added benefit of tax-deferred growth.
How are annuity payments taxed?
During the accumulation phase, your gains grow tax-deferred. You only pay taxes when you start receiving income. The taxable portion of each payment depends on how much of your original contribution has already been returned to you.
Can I access my money before the income phase?
Most annuities allow partial withdrawals, typically up to 10% per year, without a penalty. Withdrawing more than that during the surrender period may result in surrender charges. Your specialist can help you understand the specific terms of any product you are considering.
What happens to my annuity when I pass away?
Most annuities include a death benefit that passes directly to your named beneficiary, avoiding probate. The specific payout depends on the type of annuity and the options you selected when you purchased it.
How much money do I need to buy an annuity?
Minimum deposits vary by carrier and product, but many fixed annuities start at $10,000 to $25,000. Your specialist can help you find options that fit your budget and retirement goals.
Are annuities FDIC insured?
No. Annuities are not bank products and are not FDIC insured. They are backed by the financial strength of the issuing insurance company. Each state also has a guaranty association that provides an additional layer of protection, up to certain limits.
Your retirement income should be guaranteed, not uncertain.
A licensed specialist will walk you through your options, compare carriers, and explain how each annuity works in plain language. No pressure. No obligation.