An annuity is a contract with an insurance carrier that turns a lump sum or series of payments into guaranteed income, often for life. Guy Jean, a U.S. Navy veteran and licensed independent agent, compares fixed and fixed indexed annuities from carriers like F&G and National Life Group so you can see the real numbers before you commit.
from a $300,000 premium, single life at 65
Illustrative sample only. Payout rates, guarantees and surrender terms are set by the issuing carrier and vary by product, age and state. Guy quotes your real numbers from the carrier.
An annuity is a contract with an insurance carrier: you hand over a lump sum or a series of payments, and the carrier promises income back to you later, in most cases guaranteed for life. Fixed and fixed indexed annuities protect your principal from market losses while turning savings into a retirement paycheck.
Pensions are mostly gone. An annuity rebuilds that floor of guaranteed income underneath everything else you have saved.
A set amount lands in your account on schedule for as long as you live, whatever the market is doing that year.
Fixed and fixed indexed contracts shield your contributions from market losses, so a downturn does not cost you principal.
Growth inside the contract is tax deferred, so more of it keeps working. Taxes come due when you take the money out.
Joint-life options continue the income to your husband or wife after you are gone, so the household budget survives you.
Add inflation adjustments, a long-term care benefit or a death benefit so the contract solves your problem, not a generic one.
Every guarantee rests on the issuing insurer. Guy places annuity business with established carriers including F&G and National Life Group.
Each one trades growth, protection and access differently. Guy walks you through which trade fits your timeline.
A guaranteed interest rate for a set term, similar in shape to a CD but issued by an insurance carrier. The simplest way to protect principal and still earn.
Interest is tied to a market index such as the S&P 500, with a floor at zero. You share in the up years and sit out the down ones.
Convert a lump sum, often a 401(k) or IRA rollover, into guaranteed monthly income that can start within a year and continue for life.
Social Security and a pension, if you still have one, rarely cover every expense in retirement. An annuity fills that gap with guaranteed income, so a market downturn does not force you to change how you live. Guy reviews your whole retirement picture, Medicare included, before he names a carrier or a product.
No obligation, no jargon, and no cost to you.
Guy looks at your savings, your timeline and how much guaranteed income the plan has to produce each month.
Fixed and fixed indexed options from multiple carriers, side by side, with the caps and the surrender period spelled out.
Pick the contract that fits and Guy handles the paperwork. He is still your agent when your situation changes.
An annuity is a contract with an insurance carrier where you deposit a lump sum or series of payments in exchange for guaranteed income later, often for the rest of your life. Fixed and fixed indexed annuities protect your principal while still allowing for growth.
A fixed annuity pays a set interest rate for a set period. A fixed indexed annuity's growth is linked to a market index like the S&P 500, with a floor that protects your principal from market losses while allowing for higher potential growth than a traditional fixed rate.
Fixed and fixed indexed annuities are structured so your principal is protected from market downturns. Surrender charges can apply if you withdraw more than the allowed amount early, which is why matching the annuity's term to your timeline matters.
No. Many people purchase an annuity years before retirement to lock in future guaranteed income, while others use one immediately at retirement to convert a lump sum, like a 401(k) rollover, into steady monthly income.
Fixed and fixed indexed options side by side, with the caps and the surrender period spelled out.
Guy Jean will reach out shortly with your options. Prefer to talk sooner? Book a free call.