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Annuities — Guaranteed income you can't outlive · Protected growth · Tax-deferred savings · Death benefit for your family
Retirement Annuities

Your savings grow.
Your income is guaranteed.
Your family is protected.

An annuity is the only financial vehicle that turns your savings into a retirement paycheck you can't outlive — with protection from market losses, tax-deferred growth, and a death benefit for your loved ones.

Zero floor — no market losses
Tax-deferred growth
Guaranteed lifetime income
Death benefit included
10% free withdrawals annually
RMD friendly
Carrier ratings
Why choose an annuity

The retirement paycheck your 401(k) can't provide

A 401(k) grows your money — but it can't guarantee it will last. An annuity solves the problem your 401(k) was never designed for: turning a lump sum into guaranteed income for life, protected from market crashes, with a legacy for your family.

💰

Guaranteed lifetime income

Receive a "retirement paycheck" every month for the rest of your life — no matter how long you live or what the market does.

Can't outlive it
🛡️

Zero floor protection

When the market drops, your annuity value stays flat — never negative. You keep every dollar you've built.

Downside protection
📈

Market-linked growth

Your cash value is linked to the S&P 500 or other indices. When the market goes up, you capture a portion of the gains.

Upside participation
🏦

Tax-deferred growth

Your money grows without being taxed until you withdraw it — unlike a brokerage account that taxes you every year.

IRS-approved deferral
Annuity vs. alternatives
Feature
Annuity
401(k)
CD/Bank
Guaranteed lifetime income
✓ Yes
✗ No
✗ No
Market loss protection
✓ Yes
✗ No
✓ Yes
Tax-deferred growth
✓ Yes
✓ Yes
✗ Taxed
Death benefit
✓ Lifetime
✗ None
✗ None
Income you can't outlive
✓ Yes
✗ Can run out
✗ Can run out
Market-linked growth
✓ FIA options
✓ Yes
✗ Fixed only
"I rolled my old 401(k) into an annuity and now I know exactly what I'll receive every month in retirement — for the rest of my life. I sleep a lot better now."
— Robert T., age 64, Texas

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Our annuity portfolio

10 Annuity Solutions. One Right Fit for You.

Every client's retirement situation is different. Here are the annuity options available — your specialist will match the right one to your income needs, timeline, and goals.

Fixed Indexed Annuity

AccuMax 7

Built for maximum accumulation over a 7-year period. Multi-year crediting strategies allow for higher participation rates and stronger growth potential while your principal stays protected.

  • 7-year multi-year crediting strategy option
  • Higher participation rates vs. 1-year strategies
  • Enhanced death benefit includes pro-rated index growth
  • 10% annual free withdrawals
  • Confinement & terminal illness waivers
💡 Best for: Accumulation-focused clients with a 7+ year horizon who want maximum growth potential
Immediate Annuity (SPIA)

Activate

Turn a lump sum into a guaranteed retirement paycheck that starts immediately — within 30 days. Multiple payment options including single life, joint life, and period certain.

  • Income starts immediately (within 30 days)
  • Single life, joint life, or period certain options
  • Optional automatic 1–5% annual income increase
  • One-time withdrawal option available
  • Lump sum beneficiary option at death
💡 Best for: Clients already in retirement who need guaranteed income to start right now
Fixed Indexed Annuity

Agility

Adapts to your retirement needs — whether for growth, income, or unexpected care expenses. Includes a lifetime income rider AND a doubled withdrawal benefit if confined to a care facility, both at no extra charge.

  • Income & death benefit rider included — no charge
  • Lifetime income withdrawals that can grow over time
  • Enhanced income benefit: 2× if confined to care facility
  • Benefit Base grows 200% of interest credits
  • Single or joint life income options
💡 Best for: Clients wanting growth, future income, AND long-term care protection in one product
Fixed Indexed Annuity

Ascent Pro 10 Bonus

Designed for maximum lifetime income. Includes a premium bonus at purchase, plus a 10% simple interest growth rate on your income base for up to 20 years — giving you significant income when you're ready to draw.

  • Immediate 20% income base bonus at purchase
  • 10% simple interest growth on income base (guaranteed)
  • Three income options: Level, Earnings-Indexed, Accelerated
  • Enhanced income benefit for care facility needs
  • Income guaranteed for life even after account depletes
💡 Best for: Pre-retirees who want to maximize future guaranteed income — especially those 5–15 years from retirement
Fixed Indexed Annuity

Aviator

A modern, transparent accumulation annuity built for performance and simplicity. Features exclusive custom indices with advanced technology, an Index Lock feature to capture gains, and daily value tracking — no hidden fees, no optional riders complexity.

  • 5- and 10-year term options for stronger growth
  • 3 custom indices with Bank of America FC Technology
  • Index Lock — lock in gains mid-term when you like them
  • Daily value tracking via online portal
  • Hands-free Strategy Preset or custom allocation
💡 Best for: Tech-savvy accumulation clients who want transparency, strong performance, and no complex riders
Multi-Year Guarantee Annuity

MaxRate (MYGA)

The annuity equivalent of a CD — but with tax-deferred growth and higher rates. Lock in a guaranteed interest rate for 3, 5, or 7 years. Simple, predictable, and protected. Your principal and interest are guaranteed as long as you hold it for the term.

  • Choose 3, 5, or 7-year guaranteed rate terms
  • Rate locked for the full term period
  • Tax-deferred growth (unlike bank CDs)
  • Free withdrawal equal to annual interest earned
  • RMD-friendly for IRA rollovers
💡 Best for: Conservative savers seeking guaranteed growth, especially as a CD alternative or IRA rollover
Fixed Indexed Annuity

Performance Elite

Growth-focused with a premium bonus and enhanced liquidity options (Plus version). Features a unique Strategy Preset® — a hands-free, automatic rebalancing option across multiple indices. Ideal for clients who want growth with built-in flexibility.

  • Premium bonus credited at issue
  • Strategy Preset® — 100% hands-free management
  • Plus version: 10% free withdrawals from year 1
  • Plus version: Return of premium after year 4
  • Plus version: Enhanced annuitization option
💡 Best for: Clients wanting growth, a premium bonus kick-start, and the option for extra liquidity
Fixed Indexed Annuity

GrowthMax

A growth-focused indexed annuity available in 5, 7, or 10-year terms, with a performance trigger crediting option that credits interest as long as the index doesn't lose value — plus an optional Rate Booster for even higher upside.

  • Choice of 5, 7, or 10-year terms
  • Performance trigger + declared rate crediting strategies
  • Optional Rate Booster for higher caps/participation
  • Dollar Cost Averaging option over 12 months
  • Confinement & terminal illness waivers included
💡 Best for: Clients wanting steady, protected growth with flexible strategy choice
Fixed Indexed Annuity

IncomeGuard

A 7 or 10-year indexed annuity built around a guaranteed lifetime income rider — with an activation bonus up to 200% when you're ready to turn on income, plus an Income Doubler if you ever need long-term care.

  • Activation bonus up to 200% on lifetime income
  • Choice of upfront premium bonus or max activation bonus
  • Income Doubler for up to 5 years if care-qualifying
  • Level or increasing (2.5%/year) income options
  • Confinement & terminal illness waivers included
💡 Best for: Clients planning a future guaranteed paycheck with strong upside on activation
Multi-Year Guarantee Annuity

CertainRate (MYGA)

A second guaranteed-rate option for 3 or 5-year terms, with an optional Market Value Adjustment version for an even higher locked-in rate. No fees or expenses, ever — a great pairing for clients building a rate ladder.

  • Guaranteed rate for 3 or 5 policy years
  • Higher rate available on deposits of $100,000+
  • Optional MVA version for a boosted guaranteed rate
  • No fees or expenses, ever
  • RMD-friendly for IRA rollovers
💡 Best for: CD switchers who want a second guaranteed-rate option to ladder against MaxRate
Free estimate

See a Hypothetical Illustration

Plug in a premium amount to see what a sample illustration could look like. This is a simplified, editable estimate you control — not an official policy illustration.

⚠️ For illustration purposes only. This calculator produces a hypothetical, non-guaranteed estimate based on the numbers you enter — it is not an official policy illustration, contract, or offer. Actual index-linked growth, caps, participation rates, and lifetime income amounts vary by product, current declared rates, and market performance, and are not guaranteed except where a rate is specifically labeled "guaranteed." Please request a complete, carrier-generated illustration from your licensed insurance agent before making any purchase decision.

Lock in a fixed rate with zero market risk — pick 3 or 5 years.

4.60% — rate set by your advisor
The process

How your annuity strategy is built

Every annuity is custom-designed for your income needs, risk tolerance, and retirement timeline.

01

Strategy call

Your licensed specialist learns your retirement goals, income needs, existing savings, and timeline. No pressure — this is a conversation, not a sales pitch.

02

Custom illustration

We run a personalized annuity illustration showing projected income, growth scenarios, death benefit values, and how the product fits your overall retirement plan.

03

Application & funding

We handle the paperwork, coordinate rollovers from your 401(k) or IRA if needed, and walk you through every step until your annuity is funded and active.

Frequently Asked Questions

A fixed indexed annuity (FIA) is a retirement savings product that links your interest growth to a stock market index (like the S&P 500), while guaranteeing your principal against market losses. When the market goes up, you earn interest based on a portion of those gains. When the market goes down, your account value stays flat — it will never go negative due to market performance. FIAs also grow tax-deferred and include a death benefit for your beneficiaries.

A MYGA is the annuity equivalent of a bank CD — but typically with higher rates and tax-deferred growth. You deposit a lump sum, choose a 3, 5, or 7-year term, and your money earns a guaranteed fixed interest rate for that entire period. Unlike a CD, the interest grows tax-deferred, meaning you don't pay taxes on growth until you withdraw. MYGAs are ideal for conservative savers or as an IRA rollover vehicle.

Yes — this is one of the most common ways to fund an annuity. A direct rollover from a 401(k) or IRA into an annuity is a tax-free transaction as long as it's done correctly as a trustee-to-trustee transfer or direct rollover. Your specialist will coordinate the entire process. This allows you to preserve tax-deferred status, avoid early withdrawal penalties, and add guarantees that your current retirement account doesn't have.

Yes. All our annuity products include a free withdrawal provision — typically 10% of your accumulated value per year — without any surrender charges or penalties. Additionally, all products include Confinement Waivers (if you're confined to a qualified care facility for 60+ days) and Terminal Illness Waivers, both of which allow full access to your funds charge-free. After the surrender period ends, you have full access to your money.

For income-focused annuities (like Agility and Ascent Pro), an "Income Base" is established when you purchase the annuity. This base grows over time — often at a guaranteed simple interest rate — and is used to calculate your lifetime income withdrawal amount when you're ready to draw. The longer you wait to start income, the larger the income base grows, and the higher your monthly payment will be. Payments continue for life, even if your account value drops to zero.

All annuities include a death benefit. Your named beneficiary will receive at least the full accumulated value of your annuity — or the Minimum Guaranteed Contract Value, whichever is greater. Some products (like AccuMax 7) offer enhanced death benefits that include pro-rated index growth from the current term period. This ensures your family receives the full value you've built, not just what you put in.

The right annuity depends on your specific situation: how far you are from retirement, whether you need income now or later, how much growth you want, and how much liquidity you need. That's exactly what your free strategy call is for. Your specialist will review your complete financial picture and recommend the product that best fits your goals — with no pressure and no obligation to purchase.