Secure Your Retirement with Annuities
Create Your Private Pension Across Five States
An annuity is a long-term contract with an insurance company designed to provide guaranteed income during retirement. Protect against market loss while building tax-deferred wealth across Tennessee, Alabama, Florida, Texas, and Indiana.
Book Your Annuity ReviewWhy Consider an Annuity for Retirement?
Guaranteed Income
Create a "private pension" that provides regular monthly income for life, protecting against the risk of outliving your savings. Unlike Social Security or employer pensions, you control when and how much income you receive.
Tax-Deferred Growth
Compound interest grows tax-deferred, meaning you don't pay taxes on gains until withdrawal. This allows your money to grow more efficiently, especially in no-income-tax states like Tennessee, Florida, and Texas.
Protection from Market Loss
Fixed indexed annuities provide principal protection - you can't lose money due to market declines. Your principal and previously credited interest are protected, providing stability in volatile markets.
Legacy Planning
Annuities can provide death benefits to beneficiaries, allowing you to pass on wealth while enjoying guaranteed income during your lifetime. Some annuities offer enhanced death benefits for legacy planning.
Types of Annuities We Offer
Fixed Indexed Annuities
Principal protection with growth potential tied to market indices like the S&P 500
- No market risk to principal
- Participation in market gains
- Minimum guaranteed interest rates (1-3%)
- Income rider options available
Fixed Annuities
Guaranteed interest rates with predictable growth and stable income
- Guaranteed minimum interest rates
- Predictable growth
- Fixed income payments
- Conservative approach
Immediate Annuities
Convert a lump sum into immediate monthly income payments for life
- Immediate income stream
- Lifetime payment options
- Joint life options available
- Inflation protection riders
Multi-Year Guaranteed Annuities
CD-like guarantees with competitive rates and insurance company backing
- Guaranteed rates for specific terms
- FDIC alternative with insurance backing
- Competitive interest rates
- Tax-deferred growth
401k Rollover Opportunities
If you're retiring or changing jobs, rolling your 401k into an annuity can provide several advantages:
- Guaranteed Income: Convert market-dependent 401k savings into guaranteed lifetime income
- Principal Protection: Protect your retirement savings from market volatility
- No Required Distributions: Many annuities allow you to defer distributions beyond age 73
- Enhanced Benefits: Access to income riders and death benefits not available in 401k plans
- Tax Efficiency: Maintain tax-deferred status while gaining guaranteed features
State-Specific Advantages for Annuities
Our multi-state expertise allows us to maximize the benefits of annuities based on your state's tax environment:
- Tennessee, Florida & Texas: No state income tax means tax-deferred growth provides maximum benefit
- Alabama & Indiana: Favorable treatment of retirement income enhances annuity benefits
- All States: Federal tax-deferred growth until withdrawal
Local Annuity Solutions by State
Find Annuity Solutions in Your Area
No income tax advantage
Retirement income benefits
Retiree tax haven
No state income tax
Affordable retirement living
Frequently Asked Questions
What is the minimum guarantee on fixed indexed annuities?
Most fixed indexed annuities offer minimum guaranteed interest rates between 1-3% annually, ensuring your money grows even if market indices perform poorly.
Can I access my money before retirement?
Most annuities allow 10% penalty-free withdrawals annually after the first year. Additional withdrawals may be subject to surrender charges during the initial surrender period.
How is annuity income taxed?
Annuity growth is tax-deferred until withdrawal. When you take income, you typically pay taxes only on the growth portion, not the principal you contributed.
What happens to my annuity when I die?
Most annuities provide death benefits to your beneficiaries. The amount depends on the annuity type and any riders you've selected. Some offer enhanced death benefits for legacy planning.
The Annuity Planning Process
1. Retirement Income Analysis
We assess your current retirement savings, expected expenses, and income gap to determine how annuities fit your retirement strategy.
2. Product Comparison
Compare annuity products from multiple highly-rated insurance carriers to find the best features and rates for your situation.
3. Application & Funding
Complete the application process and fund your annuity through direct transfer, rollover, or personal funds.
4. Ongoing Management
Monitor your annuity's performance and help you make decisions about income timing and withdrawal strategies.
Ready to Create Your Private Pension?
Get a personalized annuity analysis and see how guaranteed income can secure your retirement.
Schedule Your Free Annuity Review