An annuity is a contract between you and an insurance company. You make a lump-sum payment or a series of payments, and in return, the insurer agrees to make periodic payments to you—either immediately or at some future date.
They are the only financial product capable of providing a guaranteed income for life, essentially allowing you to create your own personal pension plan. This makes them a powerful tool for retirees worried about outliving their savings.
The safest option. Your principal is guaranteed, and you earn a fixed interest rate for a specific period (e.g., 3, 5, or 7 years), similar to a CD but tax-deferred.
Offers growth potential tied to a market index (like the S&P 500) while guaranteeing you never lose money due to market downturns.
You pay a lump sum and the insurance company begins paying you a monthly income immediately, which can last for life or a set number of years.
A type of fixed annuity that offers a guaranteed fixed interest rate for a specified period of time, often outperforming bank CD rates.
To trigger benefits, a healthcare professional typically must certify that you are unable to perform at least two of the six Activities of Daily Living (ADLs) without assistance for at least 90 days:
You don't pay taxes on the interest you earn until you withdraw the money. This allows your money to compound faster.
With fixed and fixed indexed annuities, your original investment is protected from market crashes.
You can choose payout options that ensure you receive a check every month for the rest of your life, no matter how long you live.
If you pass away before receiving your payouts, the accumulated value typically passes directly to your beneficiaries, avoiding probate.
We are legally committed to putting your best interest first—always.
Your coverage is customized based on real needs not generic plan options.
We simplify complex options by comparing plans across multiple carriers.
Annual reviews and year-round help when changes or questions arise.
We review your health, prescriptions, doctors, and budget to establish a clear starting point.
We analyze plans across multiple carriers to find the best fit for your needs.
We handle enrollment and continue reviewing your coverage as plans change each year.
See how individuals and families gained clarity, reduced healthcare costs, and chose coverage that truly fits their needs.
We help individuals understand their coverage options and make informed decisions with confidence.
Side-by-side comparisons make it easier to choose coverage that fits health needs and budgets.
Below are answers to the most frequent questions we hear from individuals preparing for or already enrolled in Medicare.
No. While annuities are designed for long-term goals, most contracts allow you to withdraw up to 10% of your account value each year penalty-free. If you need more than that, surrender charges may apply during the early years of the contract.
If you own a Fixed or Fixed Indexed Annuity, you lose nothing. Your principal is protected. You simply earn 0% interest for that period, retaining all previous gains.
Earnings in an annuity grow tax-deferred. When you withdraw the money, the gains are taxed as ordinary income. If you purchase an annuity with pre-tax dollars (like an IRA rollover), the entire withdrawal is taxable.
Fixed and Multi-Year Guaranteed Annuities typically have no annual fees; the insurance company makes money on the 'spread' between what they earn and what they pay you. Variable annuities usually have management fees.
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