A paycheck for life — guaranteed

Multi-Year Guaranteed Annuity (MYGA / Fixed)

A MYGA pays a fixed, guaranteed interest rate for a set period (typically 3–10 years) — similar to a CD but tax-deferred and often with higher rates. Your principal is protected and the interest rate is locked in.

• Guaranteed fixed interest rate
• Tax-deferred growth (no 1099 each year)
• Principal protection from market loss
• Predictable maturity value

Fixed Indexed Annuity (FIA)

An FIA credits interest based on the performance of a market index (like the S&P 500) with a 0% floor — so you participate in market gains up to a cap or participation rate, but never lose principal in a down market.

• 0% floor — your premium is never lost to the market
• Index-linked upside potential
• Optional Income Rider for guaranteed lifetime withdrawals
• Tax-deferred growth

Single Premium Immediate Annuity (SPIA)

A SPIA converts a lump sum into immediate guaranteed income — typically starting within 30 days. You can choose income for life, for a set period, or joint income with your spouse. Ideal for retirees who need predictable monthly income now.

Deferred Income Annuity (DIA) / QLAC

A DIA lets you buy future income today at a discount — payments begin years later. A Qualified Longevity Annuity Contract (QLAC) lets you defer required minimum distributions on a portion of your IRA up to age 85, reducing taxable income.

Income Riders & Lifetime Withdrawal Benefits

Most modern indexed and variable annuities offer optional income riders that guarantee a lifetime stream of withdrawals — even if your account value runs out. The 'income base' typically grows at a guaranteed rate (e.g. 6–8%) during the deferral period.

Liquidity & access

Most annuities allow free annual withdrawals (typically 10% of the contract value) with no surrender charge. After the surrender period (3–10 years), all funds are fully liquid. Many include nursing home and terminal illness waivers that eliminate surrender charges entirely.