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Lifetime Income

Would you like a guaranteed monthly income for life?

Afraid of outliving your nest egg?

Those years of hard work are about to pay off—retirement is just around the corner. Ensuring your money lasts throughout your golden years is essential. An annuity can help with just that, by providing guaranteed income for the rest of your life.

You can buy one in the form of a simple fixed annuity You put up a sum of money; in return, an insurance company sends you a monthly check for life, or for the lifetimes of you and a spouse.

 

Learn the basics about annuities, and see if one might be right for your retirement financial plan.

What is an annuity?

An annuity is a contract purchased from an insurance company to both save for retirement and provide retirement income. There are many types of annuities. Some protect your income from loss, some help you save by offering a fixed rate of return for a set period of time, and others are tied to market performance to help maximize your potential growth.

Most annuities allow you to save tax-deferred, providing compounding interest on both your initial premium(s) and any earnings. All can be used to create a source of guaranteed income in retirement.

Annuities are insurance for your retirement income. They’re a way to convert a portion of the retirement savings assets you already have into a steady income stream for life. Think of it as receiving part of the paycheck you got while employed.

Why should I consider an annuity?

Your 401(k)s and IRAs help provide income in retirement, but they can’t guarantee you income for life. And with people living longer than previous generations, running out of money is a possibility.

An annuity helps you—and often your spouse or family—get income for as long as you need it. It can supplement other guaranteed income you might have. Use it to cover the essentials—so you can budget your other money for the fun stuff.

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