Guaranteed Income
You Can Never Outlive.
Annuities are the only financial product that can guarantee you a paycheck for life — no matter how long you live, no matter what the market does. Build a retirement foundation that gives you certainty.
Key Benefits
Guaranteed lifetime income
You cannot outlive your money — period
Tax-deferred growth
No taxes on growth until you withdraw
Principal protection
Your money is protected from market losses
Flexible payout options
Lump-sum, income stream, or legacy transfer
Types of Annuities
Not all annuities are the same. Here are the most common types and what each one is best for.
Fixed Annuity
A fixed annuity credits a guaranteed interest rate to your account — typically higher than a savings account or CD. Your principal is 100% safe, and your rate is locked for the guarantee period.
- Guaranteed fixed interest rate
- 100% principal protection
- No market risk
- FDIC-like protection through state guaranty associations
Fixed Index Annuity (FIA)
An FIA links your interest credits to the performance of a stock index (like the S&P 500) while guaranteeing you never lose principal. When the index goes up, you earn a portion of the gains. When it goes down, you earn 0% — not negative.
- 0% floor — no market losses
- Participation in index gains (up to cap)
- Tax-deferred compounding
- Optional lifetime income rider
Immediate Income Annuity (SPIA)
You deposit a lump sum and immediately begin receiving guaranteed monthly income — for a fixed period or for the rest of your life. Perfect for retirees who need to turn savings into a paycheck right away.
- Income starts within 30 days
- Guaranteed payout for life or set term
- Predictable, pensionlike monthly income
- Joint life option covers your spouse too
Deferred Income Annuity (DIA)
A DIA works like a pension — you fund it now and lock in a future guaranteed income stream that begins at a date you choose (e.g. at age 70 or 80). The longer you defer, the larger your future income payment.
- Lock in higher future income today
- Funded with lump sum or installments
- Great longevity insurance (age 80+)
- Inflation-linked options available
How an Annuity Fits Your Retirement Plan
Think of an annuity as your personal pension. Here's how clients typically use them.
Identify Your Income Gap
We calculate how much monthly income your Social Security and 401(k)/IRA will provide — then identify the gap between that and what you need to live comfortably.
Fund the Annuity
You transfer a lump sum (from savings, a 401(k) rollover, or an IRA) into the annuity. The minimum is usually $10,000–$25,000.
Accumulate Tax-Deferred
During the accumulation phase, your money grows tax-deferred. No annual 1099 forms, no taxes until you take income.
Turn on Lifetime Income
When you're ready (at retirement or a chosen date), you activate the income rider and start receiving guaranteed monthly payments — for life.
Common Questions
Q. Are annuities safe?
Fixed and fixed-index annuities are considered very safe. They are backed by the issuing insurance company (not the stock market) and protected up to state guaranty association limits (typically $250,000–$500,000 per person per insurer). They are not FDIC-insured but provide principal protection contractually.
Q. Can I lose money in an annuity?
In a fixed or fixed-index annuity, your principal is contractually protected. Your account will never go below what you put in (minus any withdrawals). Variable annuities do carry investment risk — we typically focus on fixed-index products for their safety profile.
Q. What are surrender charges?
Most annuities have a surrender period (typically 5–10 years) during which you'll pay a fee if you withdraw more than the free-withdrawal amount (usually 10%/year). We explain all terms upfront so there are no surprises.
Q. Can I use an IRA or 401(k) to fund an annuity?
Yes — an annuity inside an IRA (called a 'qualified annuity') is very common, especially for rollovers from old employer plans. The tax-deferral inside a traditional IRA is already provided, so we focus on the income guarantee and protection benefits.
Q. Are annuity payouts taxed?
With non-qualified annuities (funded with after-tax money), you only pay tax on the gains portion of each withdrawal. With qualified annuities (IRA/401k money), all withdrawals are taxed as ordinary income — same as any IRA distribution.
Build Your Guaranteed Income Floor
Schedule a free call and we'll show you exactly how much guaranteed lifetime income your savings can generate.