Income Annuities

An Income Annuity is a contract with an insurance company that turns a lump-sum premium into a guaranteed stream of income. Payments can be structured for a set period of time or for life, with options to cover single or joint lives.

• Retirees seeking predictable monthly income to supplement Social Security or pensions
• Clients concerned about outliving assets who value lifetime guarantees
• Individuals seeking stability to cover essential living expenses
• Couples looking for joint lifetime income protection

Advisors often use Income Annuities to:

• Provide guaranteed income for life to protect against longevity risk
• Cover essential expenses with a secure, predictable payment stream
• Simplify retirement planning by reducing reliance on market performance
• Offer joint-life protection to ensure both spouses are covered

• “Would guaranteed monthly income give you more peace of mind in retirement?”
• “How would your lifestyle change if you knew a portion of your expenses were covered for life?”
• “Are you concerned about outliving your retirement savings?”