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Retirement income

Turn savings into income designed to last a lifetime.

Annuities are insurance contracts built to convert savings into predictable income, with options for growth, principal protection, and payments that last as long as you live.

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  • Lifetime income options
  • Principal protection choices
  • Tax-deferred growth
Information focus
Annuities
Published by
Michael Pfeil
Request path
Direct to the agent
Profile status
Active Public Profile

A clear path forward

How It Works

Start with your situation, review relevant options, and decide what fits.

  1. 01

    Define the income gap

    Compare expected expenses with Social Security and pensions.

  2. 02

    Compare annuity types

    Review fixed, indexed, and immediate options side by side.

  3. 03

    Structure the contract

    Choose the funding, riders, and payout timing that fit the plan.

Product education

Why This Coverage Matters

Turn savings into dependable retirement income.

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  • Lifetime income options

    Choose payout structures designed to pay for as long as you live.

  • Principal protection choices

    Fixed and indexed designs aim to shield savings from market losses.

  • Tax-deferred growth

    Earnings compound without annual taxes until you take income.

  • Optional riders

    Add lifetime income or long-term care protection where it fits.

  • Carrier comparison

    Weigh rates, bonuses, riders, and payout terms across multiple companies.

Know before you apply

Common Questions

Get plain-language context before discussing your individual situation.

What types of annuities are there?
Fixed annuities guarantee a rate. Fixed indexed annuities credit interest from a market index with downside protection. Immediate annuities start paying right away; deferred contracts grow first and pay later.
Are the guarantees from the annuity carrier?
Yes. Every guarantee is backed by the issuing insurance carrier and its contract terms — another reason to compare carrier strength, not just rates.
Can I use my 401(k) or IRA?
Often yes. Your agent can compare rollover options and what they mean for taxes.
Can I still access my money?
Liquidity varies by contract. Review surrender periods and free-withdrawal provisions first.
How are payout rates determined?
The interest-rate environment, your age, and the payout period you choose all factor into the income a contract can guarantee.

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