Financial Services
Annuities are a different job from life insurance. These contracts are for a stated rate, a floor under savings, or a paycheck you cannot outlive.
Annuities
MYGAs and declared-rate contracts, indexed annuities, and SPIAs or DIAs. Life insurance, including term and whole life, stays under Insurance.
People who want a stated rate without stock-market path risk · Retirees and pre-retirees parking a portion of savings for a defined term
Insurance contracts that credit a declared rate — including multi-year guaranteed annuities (MYGAs) — for principal protection and tax-deferred growth.
Pre-retirees who want a floor under a portion of savings · People who will not sleep if the account can fall 20%
Fixed indexed annuities that credit interest using a market-index formula — with a floor that is typically zero — rather than putting your premium directly in stocks.
Retirees who want a paycheck they cannot outlive · People covering essential expenses with guaranteed income and investing the rest
SPIAs and DIAs that turn a lump sum into a paycheck — starting now, or starting later — for a period of years or for life.
Guides
Guide
MYGAs, fixed indexed annuities, SPIAs, and DIAs. What each contract actually does, and what it is not.
Read guideGuide
A cheap 20-year death benefit, a policy that lasts a lifetime, or a flexible UL/IUL design. Which job you are actually hiring.
Read guideNext step
Name, phone, email, and whether you need insurance, annuities, financing, or more than one. That is enough to start.
