Lifetime income streams

Reliable income is the cornerstone of a successful retirement.

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Will my retirement assets last?
Portfolio is recovering from a market crash
Will my social security income be enough?
Will I run out of money?


78M million baby-boomers are heading into retirement. Lifetime income is needed now more than ever. An annuity can be an attractive option for those who prefer a predictable income stream without actively managing an investment portfolio themselves.




Annuities can provide a steady stream of income, helping to cover essential living expenses during retirement.



Annuities can add diversification, especially if other investments are subject to market fluctuations.


Longevity Protection

Annuities with lifetime income options can protect against the risk of outliving your savings.


Tax Advantages

Earnings within annuities are often tax-deferred until withdrawal, providing potential tax advantages.




Not all annuities have fees, and the fee structure can vary depending on the type of annuity and the specific features or riders chosen. Carefully review all fees to ensure they don't have an outsize impact on returns.

Surrender Charges

To discourage early withdrawals, surrender charges are fees imposed by insurance companies when policyholders withdraw funds from an annuity within a specified period, typically during the surrender period.

Participation Rates

Often there's a cap or a participation rate that determines the amount credited to the annuity. For example, if an indexed annuity has a participation rate of 80%, and the chosen index increases by 10% during a specific period, the credited interest to the annuity would be 8% (80% of the 10% gain).


How annuities work

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Fixed Interest Rate

Fixed Annuities

With fixed annuities, the insurance company guarantees a fixed interest rate for a specified period. The earnings are based on this predetermined interest rate. The interest earned is typically tax-deferred until withdrawal.

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Investment Performance

Variable Annuities

Variable annuities allow the policyholder to invest in a variety of sub-accounts, similar to mutual funds. The returns are based on the performance of these investments. However, the value of the annuity can fluctuate based on market conditions.

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Indexed Performance

Indexed Annuities

Indexed annuities link the returns to the performance of a specific market index, such as the S&P 500. The policyholder may receive a portion of the index's gains while being protected from its losses. There is often a cap or participation rate that determines the amount credited to the annuity.

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Mortality Credits

Risk Pooling

Insurance companies can offer lifetime income options at a more favorable rate than if each person were solely responsible for their own longevity risk

Risk Sharing

Those in the pool who live longer effectively share the longevity risk of those who do not.

Asset Redistribution

Remaining assets go back into the pool and are redistributed among the survivors

Increased Payouts

Survivors receive higher payouts than they would if they were only relying on their own contributions and investment returns.