Annuities: Guaranteed Income for Retirement
Turn your retirement savings into a guaranteed paycheck that lasts as long as you do—secure, predictable income you can't outlive.
What Are Annuities?
An annuity is a financial product designed to provide guaranteed income during retirement. You pay a lump sum or series of payments to an insurance company, and in return, they promise to pay you a steady stream of income—either immediately or at a future date—for a specific period or for the rest of your life.
Think of an annuity as creating your own personal pension. In a world where traditional pensions are disappearing, annuities allow you to guarantee income you cannot outlive, protecting against the risk of running out of money in retirement.
[Agent Name]'s Insight:
"Annuities aren't about getting rich—they're about never being poor. They provide the peace of mind that comes from knowing you'll have income no matter how long you live or what the market does."
Types of Annuities We Offer
Fixed Annuities
Conservative • Guaranteed Rate
- Guaranteed interest rate for set period
- Principal protection—no market risk
- Predictable, stable growth
- Best for: Conservative savers, near retirees
Example: Earn 5% guaranteed for 5 years, regardless of market performance
Fixed Indexed Annuities (FIA)
Growth Potential • Downside Protection
- Returns linked to market index (S&P 500)
- 0% floor—never lose money in down markets
- Cap on gains (typically 8-12%)
- Best for: Balanced approach to growth and safety
Example: Market up 15%? You get 10%. Market down 20%? You get 0%, not -20%.
Immediate Annuities
Income Now • Lifetime Payments
- Start receiving income immediately
- Guaranteed lifetime income option
- Simple, straightforward payout
- Best for: Those already retired needing income now
Example: Invest $200K, receive $1,200/month for life starting next month
Deferred Income Annuities (DIA)
Future Income • Longevity Insurance
- Purchase now, income starts in future (5-20 years)
- Higher payout rates than immediate annuities
- Protects against outliving savings
- Best for: Pre-retirees planning ahead
Example: Invest $100K today, receive $2,000/month starting at age 80
Why Consider an Annuity for Retirement?
Guaranteed Lifetime Income
Eliminate the fear of outliving your money. Receive guaranteed monthly income for as long as you live—whether that's 10 years or 40 years.
Principal Protection
Fixed and indexed annuities protect your principal from market losses. Your retirement savings won't disappear in a market crash.
Tax-Deferred Growth
Earnings grow tax-deferred until withdrawal, allowing your money to compound faster than in taxable accounts.
Peace of Mind
Stop worrying about market volatility, sequence of returns risk, or managing withdrawals. Your income is guaranteed.
Flexible Options
Choose single life, joint life, period certain, or inflation-adjusted payouts. Customize to your specific retirement needs.
Death Benefit Options
Many annuities include death benefits, ensuring your heirs receive remaining value if you pass away early.
Is an Annuity Right for You?
Annuities are ideal for:
✓ Retirees Without Pensions
Create your own pension-like income to replace what employers used to provide.
✓ Longevity Concerns
If you're worried about living to 90-100 and running out of money, annuities provide insurance against that risk.
✓ Conservative Investors
Can't stomach market volatility in retirement? Annuities provide guaranteed returns without market risk.
✓ Maximizing Social Security Delay
Use annuity income to bridge the gap while delaying Social Security to age 70 for maximum benefits.
Ready to Secure Your Retirement Income?
Let's discuss which annuity strategy fits your retirement goals and timeline.