Annuity
"The only financial product guaranteed to pay you income for life — no matter how long you live and your spouse live."
64% of Americans worry more about running out of money in retirement than death itself. With the average American retiree holding only $269,078 — less than half the recommended minimum — that fear is entirely justified.
An annuity is a contract with an insurance company that turns your existing savings into a guaranteed income stream. Depending on the type, it protects your principal from market losses, links growth to the S&P 500, and pays you a guaranteed monthly income for the rest of your life — whether you live to 80, 95, or 110.
Social Security was designed to replace only about 30% of your pre-retirement income. Pensions are gone for most workers. An annuity fills the gap — giving you the guaranteed paycheck your employer never provided.
The numbers confirm the demand: annuity sales have grown 70% since 2014, reaching $1.1 trillion from 2022–2024, as more Americans discover that guaranteed income is not optional — it's the foundation of a secure retirement.
You can invest both qualified funds — such as 401(k) rollovers, Traditional IRAs, and other pre-tax retirement accounts — and non-qualified savings from after-tax income. This gives you complete flexibility regardless of where your money currently sits, allowing you to consolidate multiple income sources into one guaranteed stream.
Key Features
- Guaranteed income for life — cannot run out
- Market-linked growth up to 11–12% annual cap
- Tax-deferred growth
- Accepts both qualified (IRA/401k) and non-qualified funds
- Death benefit — remaining value passes to heirs
- No contribution limits
Who it's for
Pre-retirees ages 50–65 with $100K+ saved, anyone who fears outliving their money, CD and bond holders seeking better tax-deferred returns, women facing the retirement income gap, and anyone without an employer pension.
Fear Running Out of Money More Than Death
Americans Turn 65 Every Single Day in 2025
Of Private-Sector Workers Have No Pension
Pre-Retirees Own an Annuity — Despite Clear Need
What if you live to 95? Will your $300K still be there?
The average American who reaches 65 lives to 85+. An income annuity is the only product that legally guarantees income for life — not just until the money runs out.
Your company stopped offering pensions. You can create your own.
Only 20% of private-sector workers have a defined benefit plan. An income annuity recreates the pension model — guaranteed monthly income for life — built from the savings you've already accumulated.
"Social Security was designed to replace 30% of your pre-retirement income. With pensions gone, that leaves a gap only a guaranteed income product can fill — permanently, for life."
An income annuity is the only financial product legally required to pay you every month for the rest of your life — whether you live to 80, 95, or 105. The market can crash. Your payment doesn't change.
What Does $300,000 Look Like in Retirement?
401(k) Only — 4% annual withdrawal
Fully taxable. A bad market year at retirement can cut this by 30–40%. No guarantee it lasts 30 years.
⚠ Could run out by 80Income Annuity — Single-premium, age 65
Guaranteed for life. Tax-deferred growth. No market risk. No annual tax bill. One decision that protects your income forever.
✓ Guaranteed for lifeThe Retirement Income Gap Is Real
The Average 401(k) Balance Won't Last
The average 401(k) balance in 2025 is $110,000 — but the median is only $35,000. Half of all 401(k) holders have less than $35,000 saved. That cannot sustain a 20–30 year retirement. Social Security was designed to cover roughly 30% of pre-retirement income — not 100% of it. The gap needs to be filled.
The "Peak 65" Moment Is Right Now
2025 marks the single greatest wave of Americans reaching retirement age in U.S. history — 12,000 people turn 65 every single day. The majority are not financially prepared. An annuity is the only product designed specifically to turn a lump sum into income you cannot outlive, no matter how long retirement lasts.
Your Retirement Income Solution
Income Annuity — Your Personal Pension
Convert any lump sum into guaranteed monthly income for life. The payments are contractually guaranteed and cannot run out. This is the closest available equivalent to the pension model that 85% of workers no longer have access to.
The Income Annuity
Income Annuity (SPIA/DIA)
Best for: Guaranteed retirement income
Convert a lump sum into monthly income you cannot outlive. This is your personal pension — guaranteed payments for life, regardless of market conditions.
Common Questions
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