The truth about annuities

A contract with an insurance company that lets your money grow based on a market index, without ever losing principal to market downturns.

Annuity guarantees are backed by the financial strength of A-rated insurance carriers, companies that have paid claims through every recession for over a century.

The order your returns arrive in matters as much as the average. A crash in your first year of retirement is far more damaging than one in year fifteen.

CDs and MYGAs look similar on the surface, but MYGAs often offer higher rates, tax-deferred growth, and death-benefit protection CDs don't.

Yes. A properly structured income annuity creates a paycheck guaranteed to last as long as you do, regardless of what the market does.

Your annuity doesn't disappear. It passes directly to your named beneficiaries, typically outside of probate, faster than most inherited assets.