Income you
cannot outlive.
An annuity turns your retirement savings into a guaranteed paycheck — for life. No market volatility. No running out of money. Just predictable income, month after month.
Illustrative Income Estimate
Based on a $200,000 premium — actual rates vary
These are estimates for a 65-year-old male. Actual rates depend on age, annuity type, and insurer.
A guaranteed retirement paycheck — backed by an insurance company
An annuity is a contract: you give an insurance company a sum of money, and they promise to pay you back — with interest — over time, or for the rest of your life.
Your principal is protected
With fixed and indexed annuities, your original investment is never at risk from market losses.
Income you cannot outlive
Choose a lifetime income option and receive guaranteed payments every month — no matter how long you live.
Tax-deferred growth
Your money grows tax-deferred inside an annuity — you pay no taxes on gains until you take withdrawals.
You fund the annuity
Make a single lump-sum payment to the insurance company. Most annuities start at $10,000–$25,000 minimum.
Your money grows
During the accumulation phase, your money earns interest — at a guaranteed fixed rate, or linked to a market index with downside protection.
You receive income
At the time you choose, begin receiving regular payments — monthly, quarterly, or annually. Choose lifetime income or a fixed period.
Beneficiaries are protected
Many annuities include a death benefit that passes remaining contract value to your named beneficiaries outside of probate.
Find the annuity that fits your retirement strategy
Fixed Annuity
Earn a guaranteed interest rate on your premium for a set term. Ideal for safe, predictable accumulation.
Fixed Indexed Annuity (FIA)
Earn interest linked to a market index with a 0% floor. More growth potential, full principal protection.
Immediate Annuity (SPIA)
Convert a lump sum into a guaranteed income stream that starts within 30 days. Your personal pension.
Flexible Premium Deferred Annuity (FPDA)
Make ongoing contributions on your schedule — not just a single lump sum. Your money grows tax-deferred until you're ready to convert to income.
Today's annuity rates are near historic highs
Fixed annuity rates are the highest they have been in over a decade.
2-Year Fixed Annuity
Short-term, fully guaranteed
5-Year Fixed Annuity
Most popular term length
7-Year Fixed Annuity
Lock in longer for stability
Fixed Indexed (FIA)
S&P 500 linked, 0% floor
Rates are representative samples and subject to change. Get a quote for current personalized rates.
Annuity Income Estimator
Estimate how much monthly income your annuity could generate.
Annuity vs. other retirement income options
| Feature | 📈 Annuity | 🏦 CD/Savings | 📊 Stocks/ETFs | 🏠 Real Estate |
|---|---|---|---|---|
| Guaranteed income for life | ✓ Yes | ✗ No | ✗ No | ✗ No |
| Principal protection | ✓ Yes (fixed/indexed) | ✓ Yes (FDIC) | ✗ No | ~ Partial |
| Tax-deferred growth | ✓ Yes | ✗ No | ~ Roth only | ~ Partial |
| Market upside potential | ~ Indexed (capped) | ✗ No | ✓ Yes | ✓ Yes |
Annuities — FAQ
Lock in guaranteed retirement income today.
Get a free annuity quote in minutes. Transparent rates. No pressure.