Personal Pensions Built for a Confident Retirement

Create Income You Can Count On

Many people no longer have a traditional pension through work. An annuity can act as your own personal pension, turning part of your savings into a steady stream of income for retirement. Depending on the type you choose, an annuity can protect your principal, grow tax-deferred, and provide income for as long as you live. We help you compare your options and choose a plan that supports your retirement goals.

Coverage Types We Offer

Fixed Annuities

Earn a guaranteed interest rate for a set period with your principal protected. A steady, predictable option for conservative savers.

Fixed Indexed Annuities

Growth potential linked to a market index, with protection from market losses. A balanced choice for those who want upside without the risk of losing principal.

A line drawing of a graph with a dollar sign next to it.

Income Annuities

Convert a lump sum into guaranteed income that can start right away or at a future date and last for life. The closest thing to a traditional pension.

Common Questions About Personal Pensions & Annuities

  • What is an annuity?

    The benefit is paid directly to your beneficiary, who can use it for funeral and burial or cremation costs, outstanding medical bills, credit card balances, or any other expenses your family faces.

  • How is an annuity like a pension?

    A good starting point is to consider your debts, income replacement needs, family expenses, and long-term financial goals. We’ll help you run the numbers and choose a policy amount that gives you peace of mind without overpaying.

  • Can I access my money if I need it?

    It depends on the policy type and amount of coverage. Some policies require a medical exam, while others may be available with simplified underwriting or no exam at all. We’ll help you find an option that fits your situation.

  • Are annuity earnings taxed?

    Yes. You can name multiple beneficiaries and designate how the benefit should be divided. This allows you to tailor your policy to fit your family structure and estate planning goals.

  • Can I roll over my 401(k) or IRA into an annuity?

    Yes. Many people use funds from a 401(k), IRA, or other retirement account to purchase an annuity. We can help you understand your options and how a rollover works.