Annuities for Retirement Planning

Protect Your Retirement Income — and Gain Peace of Mind for the Future

What Is an Annuity?

A safe, steady income stream you can’t outlive.

An annuity is a contract with an insurance company that helps you turn your savings into reliable income during retirement. Whether you want to protect your principal, grow your money with minimal risk, or guarantee monthly payments for life, annuities offer powerful tools for retirement security.

  • Guaranteed lifetime income options
  • Tax-deferred growth on your investment
  • Protection against outliving your savings
  • Choices for single premium or flexible contributions
  • May include long-term care or death benefit riders

Annuities can fill gaps that Medicare and Social Security don’t cover.

Types of Annuities

Different annuities serve different needs.
We help you compare options from trusted carriers so you can choose the right plan for your goals.

  • Fixed Annuities – Guaranteed rates with no market risk
  • Indexed Annuities – Growth tied to the market with downside protection
  • Immediate Annuities – Start receiving income right away
  • Deferred Annuities – Let your money grow until you’re ready
  • Rider Options – Add long-term care or lifetime income benefits

We'll help you find the right fit with simple, honest guidance.

Who Should Consider an Annuity?

They’re ideal for people nearing or in retirement who want dependable income and less risk.

  • Retirees who want guaranteed income
  • People concerned about outliving savings
  • Conservative investors seeking safety
  • Those planning for long-term care
  • Anyone needing tax-advantaged retirement growth

If an annuity makes sense, Dee will help you make the right choice.

Questions?

  • What is an annuity?

    An annuity is an insurance product that provides guaranteed income during retirement, often for life.

  • Are annuities safe?

    Fixed and indexed annuities offer principal protection and steady growth, with no market downside.

  • When should I buy an annuity?

    Annuities are most useful as you approach retirement — typically between ages 55 and 70.

  • Can I access my money if I need it?

    Most annuities allow partial withdrawals, and some include features to waive penalties for emergencies.

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  • Do annuities replace other retirement plans?

    No. They work alongside IRAs, 401(k)s, and Social Security to help create a more stable income plan.