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Life & Disability · Annuities

Turn Your Savings Into Income

You Can't Outlive

An annuity is a contract with an insurance company that turns your savings into a stream of income, now or in the future. With tax-deferred growth and options that guarantee income for life, annuities can be a dependable foundation for retirement.

How it works

Two Simple Phases

You fund an annuity with a lump sum or over time, the accumulation phase, where it grows tax-deferred. Later, the contract converts to income payments, the payout phase, for a set number of years or for the rest of your life. How and when that happens depends on the type of annuity you choose.

Types of annuities

Options to Match Your Goals

Fixed

Earns a guaranteed interest rate for predictable, steady growth.

Fixed Indexed

Growth tied to a market index, with built-in protection from market losses.

Immediate Income

Convert a lump sum into income payments that begin right away.

Deferred

Grow your money now and turn on income at a future date you choose.

How it works

Two Simple Phases

You fund an annuity with a lump sum or over time (the accumulation phase), where it grows tax-deferred. Later, the contract converts to income payments (the payout phase) for a set number of years or for the rest of your life. How and when that happens depends on the type of annuity you choose.

Tax-deferred Growth

no taxes until you withdraw

Guaranteed Options

income you can count on

Income for Life

payments that won’t run out

Why an annuity

Income You Can't Outlive

The biggest worry in retirement is running out of money. An annuity can guarantee income for as long as you live, no matter how markets perform, turning a portion of your savings into a paycheck you can count on. It’s a way to cover your essentials with certainty and enjoy the rest with confidence.

Why an annuity

What They're Good For

  • Income you can't outlive
  • Supplement Social Security & pensions
  • Protection from market downturns (fixed & indexed)
  • Tax-deferred growth
  • Optional death benefit for your heirs
  • No IRS annual contribution limits

Get Started

Build dependable Retirement Income

Tell us your goals and we’ll find the right type of annuity.

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