Annuities
An annuity turns part of your savings into steady, predictable income — a personal pension you can count on through every market up and down. We help you decide whether one fits, and which kind.
An annuity is a contract with an insurance company. You contribute savings; in return, the insurer promises future income — for a set number of years, or for the rest of your life.
It's a way to cover your essentials with income that doesn't stop when the market dips, or when you live longer than you planned for.
An annuity isn't a stock, and it isn't a savings account. It's a protection-first way to grow part of your money — built so a bad year in the market can't shrink what you've set aside.
Very low risk
Safe and liquid — but growth is small, and often doesn't keep up with inflation.
Low risk · principal protected
Growth potential linked to the market, with your principal shielded from its losses — plus the option of income for life.
Higher risk
The most growth potential over time — but your balance can fall, sometimes sharply, when markets drop.
Comparisons are general illustrations; actual results, liquidity, and risk vary by product. Annuities are less liquid than savings or CDs and may carry surrender charges.
Earns a guaranteed interest rate for a set term, with your principal protected. The simplest, steadiest option.
Best for safety and certaintyEarnings track a market index, with a guaranteed floor so a market downturn doesn't reduce your contract value. More upside potential than fixed, still protected.
Best for protected growthConvert a lump sum into guaranteed payments that begin right away — useful at or near retirement.
Best for income starting soonAny guaranteed rate, floor, or income is subject to the issuing insurer's claims-paying ability and the contract's terms.
Guarantees are backed by the financial strength and claims-paying ability of the issuing insurer. Annuities are long-term products; withdrawals may be subject to surrender charges and, if taken before age 59½, possible tax penalties. Features vary by product and carrier.
Your money isn't invested directly in the stock market. Instead, your growth is linked to a market index like the S&P 500 — so when it climbs, you share in the gains, up to a cap. When it falls, a floor protects your principal from market losses: your worst index credit is zero, never a negative.
It's a trade — a ceiling on the upside in exchange for a floor under the downside. The exact caps and terms vary by product and change over time, so a licensed agent will walk you through today's numbers.
S&P 500® is a registered trademark of Standard & Poor's Financial Services LLC; products referencing the index are not sponsored, endorsed, sold, or promoted by S&P Dow Jones Indices. You cannot invest directly in an index — an indexed annuity is not an investment in the index, the stock market, or any security. Caps, participation rates, and any rider charges vary by product and can reduce returns. Figures are hypothetical and illustrative only.
The fine print is where annuities are won or lost. Our AI guide explains it in plain English or Portuguese, then connects you with a licensed agent to compare real options — with zero pressure.
What's already guaranteed — Social Security, pensions — versus what you'll need. We find the gap.
Independent and straightforward: if an annuity isn't right for you, we'll say so. If it is, we compare carriers.
Set it up with confidence, and adjust as life changes. We stay with you the whole way.
Right away with an immediate annuity, or later with a deferred one — you choose, based on when you'll actually need the income.
It depends on the contract. Many annuities include a death benefit, or let you add one, so remaining value passes to your beneficiaries rather than reverting to the insurer.
Fixed and indexed annuities protect your principal from market losses, and guarantees are backed by the issuing insurer's financial strength. We only work with financially strong, established carriers.
Usually, within limits. Most annuities allow a penalty-free withdrawal each year; larger early withdrawals may trigger surrender charges. We'll explain the terms in plain English before you decide.
No pressure — just a clear look at your retirement income, and honest advice either way.