If you're within 10 years of retirement, or already there, an annuity can help protect your nest egg from market losses and create guaranteed lifetime income. Find out which strategy fits your situation in a no-pressure conversation with a licensed agent.
Annuities are insurance contracts designed to do something the stock market can't: provide income guarantees backed by a contract.
Certain annuity contracts can provide income for as long as you live, with payments backed by the issuing insurance company.
Fixed and fixed-indexed annuities protect your principal from market losses while offering growth potential tied to an index.
Earnings inside an annuity aren't taxed until withdrawn, letting more of your money compound over time.
Most annuities pass remaining value directly to your named beneficiaries, often avoiding probate entirely.
Fixed-indexed annuities let your money participate in market index gains, with a floor that protects your principal when the index declines.
Many contracts include built-in waivers that eliminate surrender charges if you face a terminal illness or need qualified nursing care.
Most clients complete the entire process from first call to funded contract in under three weeks.
Answer five short questions so we understand your age, goals, and timeline. About 60 seconds.
A 20-minute call with Nour to review your situation. No pressure. If an annuity isn't right for you, we'll say so.
If it makes sense, you'll get a written illustration showing exactly how your contract would work before you commit.
An annuity is a contract between you and an insurance company. You put money in - either as a lump sum or over time - and in exchange, the insurance company agrees to provide either a guaranteed growth rate, a future stream of income, or both, depending on the type of contract. Annuities are insurance products, not bank deposits or direct investments in the stock market.
Fixed and fixed-indexed annuities are designed to protect principal from market losses. All guarantees within an annuity contract are backed by the claims-paying ability of the issuing insurance company - not by the FDIC. For this reason we only work with highly rated, well-capitalized carriers. Variable annuities carry market risk and can lose value.
That depends on your age, how much you contribute, the product you choose, and when you turn on income. There's no single answer. That's why we run a personalized illustration during your strategy call so you can see real numbers from real carriers based on your situation.
The initial consultation and strategy call are free. If you decide to purchase an annuity, the insurance carrier pays the agent a commission - you don't pay us directly, and it doesn't reduce the amount you contribute to the contract. We'll always disclose how we're compensated before you make any decision.
It depends on the type. Fixed and fixed-indexed annuities generally protect your principal from market losses, though surrender charges may apply to early withdrawals. Variable annuities are invested in sub-accounts and can lose value. We'll only recommend a product that fits your risk tolerance and goals.
No, but annuities do have surrender periods (typically 5 to 10 years) during which withdrawals above a certain limit are charged a fee. Most contracts allow you to take out 10% per year penalty-free. We'll walk through the exact terms before anything is signed.
5 questions · about 60 seconds · your info stays private
Based on your answers, you look like a strong candidate for a personalized retirement income review.
Or skip the wait and book your call directly:
Book My Free Strategy Call Now →Most clients prefer this, it lets you pick a time that fits your schedule.