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Secure your financial future with annuities designed to provide guaranteed income, tax-deferred growth, and peace of mind in retirement. Explore fixed, variable, and indexed annuity options.
Download our free report revealing the most common retirement planning mistakes made by people with $250k+ in assets.
Download Free ReportAnnuities are financial products designed to provide a steady stream of income during retirement. They offer tax-deferred growth and can provide guaranteed income for life, making them an essential component of retirement planning.
You make premium payments that grow tax-deferred over time
Convert your accumulated value into regular income payments
Receive guaranteed payments for a specified period or for life
Choose the right annuity type based on your risk tolerance, income needs, and retirement timeline.
Guaranteed interest rate and predictable growth. Perfect for conservative investors who want stability and guaranteed returns.
Investment options with potential for higher returns. Your account value fluctuates based on the performance of underlying investments.
Growth potential linked to market index performance with principal protection. Combines the safety of fixed annuities with growth potential.
Choose when you want to start receiving income payments based on your retirement timeline and current needs.
Start receiving income payments immediately (within 12 months) after making your premium payment. Perfect for those already in retirement.
Accumulate value over time before starting income payments. Ideal for those still working and planning for future retirement income.
Annuities offer unique benefits that can complement your overall retirement strategy and provide financial security.
Create a personal pension with guaranteed income payments that can last for life, providing security in retirement.
Your money grows tax-deferred, meaning you don't pay taxes on gains until you withdraw, potentially allowing for faster accumulation.
Unlike 401(k)s and IRAs, annuities have no annual contribution limits, allowing you to invest larger amounts for retirement.
Most annuities include death benefits that protect your beneficiaries, ensuring they receive at least your premium payments.
Many annuities offer cost-of-living adjustments or growth potential to help protect your purchasing power over time.
In many states, annuities offer protection from creditors, helping safeguard your retirement assets from potential claims.
Enhance your annuity with optional riders that provide additional benefits and protection for your specific needs.
Guarantees you can withdraw a certain percentage of your account value annually for life, regardless of market performance.
Provides additional death benefit protection beyond the standard account value, ensuring your beneficiaries receive more.
Access your annuity value early if you need long-term care, providing financial support for healthcare expenses.
Guarantees that your beneficiaries will receive at least the amount you paid in premiums, protecting your initial investment.
Understanding how annuities compare to other retirement savings vehicles helps you make informed decisions.
| Feature | Annuities | 401(k) | IRA | CDs |
|---|---|---|---|---|
| Contribution Limits | None | $23,000 (2024) | $7,000 (2024) | None |
| Tax Treatment | Tax-deferred | Tax-deferred | Tax-deferred/Roth | Taxable annually |
| Guaranteed Income | Available | No | No | No |
| Principal Protection | Yes (fixed/indexed) | No | No | Yes (FDIC) |
| Growth Potential | Moderate to High | High | High | Low |
| Liquidity | Limited | Limited (penalties) | Limited (penalties) | Limited (penalties) |
Annuities can be valuable for many people, but they're particularly beneficial in certain situations.
You're concerned about outliving your money and want guaranteed income for life.
You've contributed the maximum to your 401(k) and IRA and want additional tax-deferred savings.
You want growth potential but can't afford to lose your principal investment.
You're in a high tax bracket and want to defer taxes until retirement.
You want to ensure your beneficiaries receive death benefits while you enjoy income.
Our experienced agents help you navigate the complex world of annuities to find the right solution for your retirement needs.
Our licensed agents have extensive experience with annuities and can help you understand your options.
We work with top-rated insurance companies to offer you a wide selection of annuity products and rates.
We take the time to understand your retirement goals and recommend annuities that align with your needs.
Get a personalized annuity quote today. Our experts will help you understand your options and find the right annuity for your retirement goals.