Principal Protection

Turn Paychecks into Playchecks

Protecting your money is just as important as growing it. Annuities offer a way to do both. They’re designed to protect your principal while still giving you the potential for growth and if needed, they can provide a guaranteed income for life.

Ways to use annuities

• Guaranteed retirement income
• Accumulation
• Protection
• Personal Pension

An annuity can convert part of your savings into guaranteed income you cannot outlive. We design plans that fit women’s lifespans, careers, and survivor needs. Start with a quick scenario. Then talk to a licensed fiduciary.

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Retirement planning calculator

Run your scenario. Enter age, savings, and monthly contributions. See your projected income.

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Ready to see what annuities rates are? Get personalized options.

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FAQ

• Are annuities safe? Annuity guarantees come from the insurance company, not the market. We use carriers with strong financial ratings. Always review the insurer’s rating before you buy.

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• What are surrender periods? It is the time you agree to keep the contract. If you take out more than the free-withdrawal amount during that time, the insurer may charge a surrender fee. Terms vary by product.

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• How are payouts taxed? Qualified annuities (IRA, 401k rollovers) are taxed as ordinary income when withdrawn. Non-qualified annuities are taxed on the gain first under LIFO rules. Taxes depend on your situation. We coordinate with your tax pro.

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• Can income cover a survivor? Yes. Joint-life or period-certain options can keep paying a survivor. We design this at the start so the check continues if one spouse dies first.

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• Are annuities only for retirees? No. They can work in pre-retirement to lock in future income. They can also protect part of a portfolio during volatile markets.

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^{Investing involves risk. Guarantees are backed by the insurer’s claims-paying ability. This page is educational. Not legal or tax advice.}

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