Build retirement income you can't outlive.
Answer a few quick questions to see if you qualify for a free, no-obligation annuity evaluation — and learn how to protect your savings from market swings while locking in guaranteed income.
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Frequently asked questions
Straight answers to the questions we hear most from people planning their retirement income.
An annuity is a contract with an insurance company. You contribute a lump sum or a series of payments, and in return the insurer agrees to pay you income — either right away or at a future date. Many people use annuities to create a steady, predictable paycheck in retirement that they can't outlive.
Fixed and fixed-indexed annuities protect your principal from market losses — your account value doesn't drop when the stock market does. Guarantees are backed by the financial strength of the issuing insurance company, which is why we only work with highly rated carriers.
Most annuities we recommend start around $25,000 to $50,000, though the right amount depends on your goals and overall plan. Your free evaluation will show you exactly what makes sense for your situation — there's no minimum to have the conversation.
With a fixed-indexed annuity, your principal and previously credited gains are protected — a market downturn can mean a year of zero growth, but not a loss of your money. That's the core reason many retirees move a portion of their savings into annuities.
Many fixed and fixed-indexed annuities have no annual fees at all unless you add optional riders, such as guaranteed lifetime income or enhanced death benefits. During your evaluation we'll walk through every cost in plain English before you commit to anything.
Yes. Most annuities allow penalty-free withdrawals of up to 10% per year, and many include waivers for nursing home or terminal illness situations. We'll help you choose a contract whose liquidity terms match your needs.
Annuities grow tax-deferred, meaning you don't pay taxes on gains until you withdraw the money. If the annuity is held inside an IRA or 401(k) rollover, normal retirement-account tax rules apply. We recommend reviewing your plan with a tax professional as well.
There's no catch. The evaluation and strategy call are free, and there's no obligation to move forward. If you do decide an annuity is right for you, we're compensated by the insurance carrier — never by charging you fees for the consultation.
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