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Fixed Annuity

Grow your retirement savings with guaranteed rates and principal protection — your money works harder without the market risk.

Guaranteed Rates Fixed Interest
Tax-Deferred Growth
5-Year Term Surrender Period
Principal Protected No Market Risk

Why Choose a Fixed Annuity

A fixed annuity gives you predictable, guaranteed growth with none of the volatility of the stock market.

Guaranteed Interest Rate

Know exactly what you'll earn every year — no market surprises or guesswork.

Tax-Deferred Growth

Your earnings grow tax-free until withdrawal, letting your money compound faster.

Principal Protection

Your initial investment is never at risk. Your balance is guaranteed by the insurance carrier.

Retirement Income

Convert to guaranteed income payments when you're ready to retire and enjoy your savings.

No Market Risk

Your balance never goes down due to market conditions. Sleep well knowing your money is safe.

Simple & Transparent

No hidden fees, no complicated riders. You know exactly what you're getting from day one.

Common Questions

What is a fixed annuity? +

A fixed annuity is a contract with an insurance company that guarantees a fixed interest rate on your money for a set term. It's one of the safest ways to grow your retirement savings.

What is the minimum deposit? +

Minimum deposit amounts vary by product and carrier. Contact us for current minimums and the best rates available.

Is my money locked up? +

There is a surrender period (typically 5 years), but most products allow partial withdrawals of up to 10% per year without penalty.

How is it taxed? +

Earnings grow tax-deferred. You pay taxes only when you withdraw funds, which means more of your money compounds over time.

Is my principal guaranteed? +

Yes. Your principal is protected by the insurance carrier. Unlike stocks or mutual funds, your balance will never decrease due to market performance.

Secure Your Retirement

Get a free consultation to learn about current fixed annuity rates and find the right product for your retirement goals.

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