Coverage Solution
Retirement & Annuities
Explore retirement income and protection strategies appropriate for your goals.
Annuities provide principal protection and guaranteed lifetime income options, ensuring your retirement savings last as long as you do — without exposing your nest egg to stock market downturns. We help you compare fixed and fixed indexed options across carriers and decide whether an annuity fits your overall retirement plan.
Fixed Annuities
Contracts that guarantee a stated interest rate for a set period, providing predictable growth and principal protection. A conservative option for retirement savers who want stability.
- Guaranteed interest rate
- Principal protection
- Predictable growth
- Tax-deferred accumulation
Fixed Indexed Annuities
Interest credited based on a market index's performance, with a floor that protects your principal from market losses. Offers growth potential without direct market risk.
- Index-linked growth potential
- Downside principal protection
- Tax-deferred growth
- Cap and participation rates
Income Riders & Rollovers
Optional guaranteed lifetime income riders that convert contract value into predictable payments for life, plus assistance rolling over existing retirement accounts without triggering taxes.
- Guaranteed lifetime income
- Lifetime payout option
- 401(k)/IRA rollover help
- Wealth transfer strategies
Building a retirement income you can't outlive
The biggest risk in retirement is not market volatility — it is longevity, the risk of outliving your savings. Guaranteed income from an annuity can create a floor of predictable payments that covers essential expenses no matter how long you live.
Fixed and fixed indexed annuities protect your principal from market downturns while offering growth potential linked to a market index. They are insurance contracts, not securities, and can complement your 401(k) and IRA rather than replace them.
We review your existing accounts, income needs, and timeline before discussing whether an annuity is appropriate — and if so, which contract terms, riders, and carriers fit. Nothing is purchased in the first conversation.
Retirement & annuity frequently asked questions
What is a fixed indexed annuity?
A fixed indexed annuity is a contract with an insurance company that credits interest based on the performance of a market index (such as the S&P 500), while protecting your principal from market downturns. You participate in a portion of index gains without directly risking your money in the market, and the contract can provide guaranteed lifetime income through optional riders.
How do annuities differ from other retirement accounts?
Unlike a 401(k) or IRA, which are investment accounts that can lose value in market downturns, fixed and fixed indexed annuities offer principal protection and the option for guaranteed lifetime income. They are insurance contracts, not securities, and can complement — rather than replace — your other retirement savings by providing a floor of predictable income you cannot outlive.
Can an annuity guarantee income for life?
Yes. Many annuities offer optional income riders that convert your contract value into a guaranteed stream of payments for as long as you live, or for a set period. The amount depends on your age, contract value, and the rider terms. This addresses the risk of outliving your savings, known as longevity risk.
Are annuities liquid if I need my money?
Most annuities allow penalty-free withdrawals up to a percentage of the contract value (often 10%) each year after the first contract year. Full surrender during the surrender-charge period — typically the first several years — may incur carrier surrender charges. We review liquidity terms before any recommendation so you understand the access you have.
Is a retirement consultation free?
Yes. The conversation is free and carries no obligation. We review your goals, existing accounts, and income needs before discussing whether an annuity or other strategy is appropriate for your situation.
Plan income that lasts a lifetime
Book a free retirement strategy conversation with Meena Fisher.