Turn your savings into a predictable, guaranteed income stream — for life. Sleep soundly knowing the money never runs out.
Get My Free Quote →An annuity is a contract with an insurance company: you deposit a lump sum or series of payments, and in return the insurer guarantees you a steady income — either immediately or at a future date. The income can be structured to last for a set number of years, or for the rest of your life, no matter how long you live.
Unlike a 401(k) or IRA that can be depleted by poor markets or longevity, an annuity is the only financial product that can guarantee income you literally cannot outlive. Our annuity specialist Patrick Koenig works exclusively in this space — so you get someone who knows it cold.
Pre-retirees and retirees who want a predictable income stream to cover essential expenses — independent of market performance. Annuities are especially powerful for anyone concerned about outliving their savings, or who wants to replicate the security of a pension they don't have.
Choose an income rider and receive monthly payments for the rest of your life — no matter how long that is. The insurance company bears the longevity risk, not you.
Fixed and fixed-indexed annuities never lose principal due to market downturns. Your account value is protected while still earning interest.
Your money grows tax-deferred inside the annuity — you only pay taxes when you take distributions, allowing your savings to compound faster in the accumulation phase.
Fixed, fixed-indexed, and income annuities each serve a different purpose. We match you to the right type based on your timeline, income needs, and risk tolerance.
Both are safe, interest-bearing products — but annuities offer tax-deferred growth, lifetime income options, and death benefits that CDs don't provide. Annuities also typically offer higher interest rates than CDs over the same period, especially fixed-indexed annuities in positive market years.
The best time depends on your goals. If you want to accumulate savings safely, earlier is better. If you want income now, an immediate annuity can start paying within 30 days of purchase. Most people begin planning 5–10 years before retirement to lock in the best rates and riders.
With fixed and fixed-indexed annuities — no. Your principal is guaranteed against market losses. Variable annuities can lose value because they are directly invested in the market, which is why we focus on products where your money is protected.
Most annuities include a death benefit that passes the remaining account value to your named beneficiary — outside of probate and quickly. With a joint-life income rider, payments continue to your spouse for their lifetime as well.