Fixed & Indexed Annuities for Guaranteed Retirement Income

Fixed annuities

A guaranteed interest rate for a set term, with your principal protected. A straightforward alternative to CDs for conservative retirement money.

• Guaranteed declared rate
• Tax-deferred growth
• Principal protection

Fixed indexed annuities

Growth linked to a market index with a floor of zero, so a down year doesn't reduce your account value. Upside is limited by caps or participation rates that we explain in plain English.

• Zero-percent floor in down markets
• Index-linked interest credits
• Optional guaranteed income riders

Guaranteed lifetime income

Income riders can pay you a set amount every month for life, no matter how long you live or how markets perform — a personal pension layered on top of Social Security.

Are annuities right for you?

Annuities suit savers who want certainty, have a long time horizon before withdrawals, and can leave funds untouched through the surrender period. We review liquidity needs and fees with you before recommending anything.