Annuities
Build a secure retirement income stream with our range of annuity products and expert guidance. Fixed and variable annuities with guaranteed income options and tax-deferred growth.
Annuity Income Estimator
Estimate potential monthly income based on your lump sum, deferral time, and payout option. This is a simplified model for education only—final quotes come from carriers.
Guaranteed Income Options
Lifetime or period-certain payout structures
Deferral Flexibility
Start income now or later to potentially increase payouts
Tax-Deferred Growth
Grow assets tax-deferred until you take income
Estimate Your Income
Adjust inputs and see an instant estimate. Talk with an advisor for precise quotes.
Your Estimate
Breakdown
This tool provides a simplified estimate and is not a guarantee. Actual carrier quotes may differ.
Annuities FAQ
Simple answers to common annuity questions
What is an annuity in plain English?
An annuity is a contract with an insurance company. You put in money (once or over time) and can receive guaranteed income later—often for life. It can also grow tax-deferred while you wait.
How are fixed and indexed annuities different?
Fixed annuities pay a set interest rate for a term. Fixed indexed annuities credit interest based on a market index with a 0% floor—so you're protected from market losses while still having growth potential.
When does income start?
Immediate annuities begin paying in about 30–90 days. Deferred annuities can start income years later—often producing larger payments because the money had time to grow.
Are annuities safe?
They're backed by the issuing insurance company. We work with highly rated carriers and help you choose features and guarantees that match your risk comfort.
What about fees and liquidity?
Many fixed and indexed annuities have no annual fees unless you add optional riders. Most have surrender schedules and include limited penalty‑free withdrawals. We'll walk you through all details.
How are annuities taxed?
Growth is tax-deferred. When you take income, the gains are typically taxed as ordinary income. Tax treatment can vary—consult your tax advisor for your situation.
Ready to Build Guaranteed Retirement Income?
Our licensed annuity specialists compare highly rated carriers to design a plan that fits your income goals, timeline, and risk comfort.
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