Using annuities to build and protect your retirement.
How annuities can help
Three ways to strengthen your retirement plan.
An annuity can help conservative money earn more, protect a portion of your savings, or prepare for future income and care needs.
Fixed Growth
A stronger alternative to CDs.
Fixed annuities can offer competitive rates and tax-deferred growth without exposing principal to market loss.
Best for
CDs, savings, and other conservative money.
Market Protection
Growth without direct market loss.
Indexed annuities can provide growth potential while protecting your principal when the market declines.
BEST FOR
People nearing retirement who want less market risk.
Income & Care
Income for retirement and future care.
Certain annuities can provide lifetime income with added protection for future care needs.
BEST FOR
People planning for income, care, or both.
Annuities are right for many portfolios—but they’re not for everyone.
Where Do Annuities Actually Fit?
In the right situation, an annuity can deliver.
Your safe money could be working harder.
You have cash sitting in bank CDs, money markets, or savings accounts. It feels safe, but every dollar of interest is taxable the year you earn it. A fixed annuity offers competitive rates with one significant difference — interest is not taxable until you take it out. Same safety. No market risk to principal. A better after-tax result.
Retirement is close, and market risk matters.
You are only a few years from retirement. A major market downturn could affect when you retire, how much income you can take, or how comfortable you feel using your savings. You want to protect a portion of your retirement money from market loss.
You want income that can last for life.
You want certainty around retirement income. You want to know that a portion of your savings can create a predictable income stream for as long as you live — or for as long as either you or your spouse lives.
Protect a surviving spouse.
You do not want a surviving spouse left with complex investment decisions, market stress, or the fear of running out of money alone. You want an income plan that can continue automatically.
Long-term care is part of the concern.
You have money set aside for conservative growth, but you also worry about the cost of future care. Some annuities can help that money do more than one job by combining safe accumulation with potential long-term care benefits.
Let’s Take a Closer Look
See whether an annuity belongs in your plan.
Whether you are looking for attractive fixed rates, tax-deferred accumulation, guaranteed income, or long-term care leverage, we can help you compare the options and decide whether an annuity belongs in your plan.
COMMON QUESTIONS
Answers to common annuity questions.
These are some of the questions we hear most often. If yours is not here, we’re easy to reach.
No. Annuities can be useful for the right purpose, but they need to be evaluated alongside liquidity needs, time horizon, income goals, taxes, and other assets.