Fixed annuities
A declared interest rate and contract guarantees can support predictable accumulation for a defined period.
Annuity strategies
Turn a portion of savings into income you can plan around.
Explore fixed and fixed indexed annuity options designed to help protect principal and create a dependable retirement income strategy, subject to contract terms.
Understanding the coverage
An insurance contract built for long-term retirement goals.
An annuity is a contract with an insurance company. Depending on the type and options selected, it can offer tax-deferred accumulation, a guaranteed interest approach, index-linked crediting, or income payments. Guarantees depend on the issuing insurer’s claims-paying ability.
Fixed indexed annuities
Interest may be linked to an index formula, with no direct market investment and contract-defined limits.
Income options
Contract features may support scheduled or lifetime income, with terms, costs, and access differing by design.
A thoughtful review
What we’ll look at together.
The right design depends on more than a coverage amount. We’ll review the details that shape a suitable, sustainable choice.
Start the conversation →01
Income needs and retirement timeline
02
Emergency funds and liquidity
03
Existing assets and income sources
04
Surrender period and withdrawal limits
05
Crediting and income features
06
Beneficiary and legacy priorities
The TLW perspective
An annuity should solve a specific retirement problem.
We start by identifying the need—income, principal protection, or long-term accumulation—then examine whether the contract’s benefits, restrictions, time horizon, and trade-offs are suitable.
Important to understand
Annuities are not suitable for every person or every dollar. Early withdrawals may face surrender charges, market value adjustments, and tax consequences. Indexed annuities do not directly invest in an index. Guarantees rely on the issuing insurer.
Common questions
Get the basics.
Then make it personal.
Will an annuity lock up all of my money?+
Annuities commonly include a surrender-charge period and limits on penalty-free withdrawals. Available access depends on the contract, so sufficient liquid savings should generally remain outside the annuity.
Is a fixed indexed annuity invested in the market?+
No. Interest is determined by an insurer’s formula linked to an external index. Caps, participation rates, spreads, and other terms can limit credited interest.
Are annuity payments guaranteed for life?+
Some contracts and optional features can provide lifetime income, subject to their terms, costs, and the insurer’s claims-paying ability. The guarantees and effect on liquidity or beneficiaries should be reviewed.
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Your next step
Make your protection plan feel clear.
Start with a no-obligation conversation about your goals and questions.