Retirement income you can't outlive.
An annuity can turn part of your savings into guaranteed growth and dependable income, with contract protections against market losses. We compare fixed and fixed indexed annuities from top-rated carriers and explain every option in plain English.
What we'll cover in one call
- Whether an annuity fits your retirement picture at all
- Fixed vs. fixed indexed — and which suits your goals
- Current rates and income options from top-rated carriers
- Liquidity, surrender terms, and the fine print, explained
Free to compare, never any obligation. Guarantees are backed by the claims-paying ability of the issuing carrier.
Why annuities mean certainty in retirement.
Growth without market losses
Fixed and fixed indexed annuities grow tax-deferred, with principal protection from market downturns built into the contract and backed by the issuing carrier.
Income you can't outlive
With a lifetime income option, an annuity can convert savings into a guaranteed stream of income designed to last as long as you do.
Guarantees in writing
Rates, income amounts, and protections are spelled out in your contract and backed by the claims-paying ability of the insurance carrier.
A paycheck that keeps arriving.
Life insurance protects your family if you die too soon; an annuity protects you if you live a long time. It takes the guesswork out of retirement by converting savings into contractual guarantees — dependable growth and income designed to last for life.
- Tax-deferred growth while you save
- Principal protection from market downturns
- Optional lifetime income for you — or you and your spouse
- Depending on the payout option, remaining value can pass to your beneficiaries
Common questions
What exactly is an annuity?+
An annuity is a contract with an insurance company: you contribute a lump sum or series of payments, and in return the carrier provides guaranteed growth, guaranteed income, or both. It's built for people who want certainty in retirement.
What's the difference between fixed and fixed indexed?+
A fixed annuity earns a set interest rate declared by the carrier. A fixed indexed annuity credits interest based on the performance of a market index, with a floor that protects you from losses — you share in some upside without direct market risk.
Is my money locked up?+
Most annuities have a surrender period, but many contracts allow penalty-free withdrawals of a portion each year, and some waive charges for events like nursing home care. Terms vary by carrier and contract — we'll walk through the liquidity provisions of any option before you commit.
Are annuities safe?+
Annuity guarantees are backed by the claims-paying ability of the issuing insurance carrier, which is why we only work with top-rated companies. They are not bank products and not FDIC insured, and state guaranty associations provide an additional layer of protection within their limits.