Turn part of your retirement savings into income you can plan around.
Annuities are insurance contracts that can support accumulation, future income, or guaranteed lifetime-income options depending on the contract. The right discussion starts with income needs, time horizon, liquidity, and risk preferences.
Start with the purpose of the coverage.
Annuities can help convert a portion of retirement assets into an income stream now or later, or provide a structured accumulation strategy. Fixed, indexed, income, and other annuity types use different methods and tradeoffs.
Items to consider
- When you need income to begin
- How much predictable income you want
- Liquidity and emergency-access needs
- Surrender periods and withdrawal provisions
- Fixed, indexed, or other contract features and guarantees
Questions worth thinking about first.
You do not need to have every answer before requesting a review. These questions help organize the discussion.
Is your priority predictable income, accumulation, principal protection, or a combination?
When would you want income to begin?
How much of your retirement assets must remain liquid?
Important: Annuity guarantees are subject to the claims-paying ability of the issuing insurer. Contract charges, withdrawal limits, market-value adjustments, tax treatment, and other provisions vary by product; tax questions should be reviewed with a qualified tax professional.
Start with a scheduled conversation.
Tell us what you would like to discuss during your consultation. The detailed Insurance Coverage Review form will remain unavailable until its final consent language is approved.