Create a More Predictable Path for Retirement Assets.
Annuities are insurance contracts that may provide guaranteed interest, protected growth, future income, or a combination of these features.
Match the contract to the purpose.
MYGAs and fixed indexed annuities solve different problems. Liquidity, surrender periods, income goals, tax treatment, and carrier strength all matter.
- Multi year guaranteed annuities with stated rates
- Fixed indexed annuities with index linked crediting
- Tax deferred growth for nonqualified funds
- Optional lifetime income features
- Principal protection from direct market loss, subject to contract terms
Start with your goals.
Coverage recommendations should be based on your needs, budget, health, time horizon, and available carrier options.
Schedule a ConsultationUnderstand the basics before you apply.
What is a MYGA?
A multi year guaranteed annuity provides a fixed interest rate for a stated contract period.
What is a fixed indexed annuity?
A fixed indexed annuity credits interest using an index based formula without directly investing contract value in the stock market.
Are annuities liquid?
They are not designed as short term savings accounts. Contracts often include surrender periods and limits on penalty free withdrawals.
Are annuities FDIC insured?
No. Guarantees depend on the issuing insurer's claims paying ability and applicable state guaranty association protections.