Fixed Annuities
A Fixed Annuity is a reliable, secure financial product designed to provide guaranteed growth and predictable income—especially valuable for retirement planning. Whether you’re looking for a safe place to grow your savings or a steady stream of income you can count on, a Fixed Annuity can offer long-term financial confidence.
Key Benefits of Medigap
Guaranteed Interest Rate
Your money grows at a fixed, predictable rate—regardless of market ups and downs.
Principal Protection
Your initial investment is protected from market volatility.
Tax-Deferred Growth
You don’t pay taxes on earnings until you begin withdrawing funds, allowing your money to compound more efficiently.
Lifetime Income Options
Turn your annuity into a dependable income stream to help cover everyday expenses, healthcare costs, or long-term care needs during retirement.
Long-Term Care Insurance Benefit
You have the option to add a Long-Term Care Rider to your annuity. This provides built-in long-term care protection without needing a separate policy—making your coverage simpler, more cost-effective, and often easier to qualify for.
Flexible Payout Choices
Choose from lump-sum withdrawals, scheduled payments, or lifetime income options based on your financial goals.
What is a Fixed Annuity?
A Fixed Annuity is an insurance contract that guarantees a fixed interest rate for a set period of time. Your principal is protected, your earnings are predictable, and you can choose to convert your annuity into a stream of income that lasts for a specific period—or even for the rest of your life.
A Fixed Annuity may be a great fit if you want to:
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Add stability to your retirement strategy
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Receive guaranteed income you can’t outlive
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Protect your savings from market downturns
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Supplement Social Security or pension benefits
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Plan ahead for assisted living or memory care expenses
Who Can Benefit from a Fixed Annuity?
How Fixed Annuities Work
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You make a contribution (single or flexible premium).
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Your annuity grows at a fixed interest rate for the specified period.
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You choose how to receive your money—as regular withdrawals, scheduled payments, or lifetime income.
Is a Fixed Annuity Right for You?
If you’re looking for financial security, predictable returns, and a stable source of income in retirement, a Fixed Annuity may be an excellent addition to your portfolio. Our team can help you compare options, rates, and features to find the best fit for your needs.