If you’re 65 and living in Georgia, choosing the right annuity can help you lock in guaranteed retirement income, protect your nest egg from market downturns, and even receive upfront bonus incentives. But not all annuities are created equal—and Georgia has unique rules that can affect your benefits.
At Diversified Insurance Brokers, we help Georgia residents compare over 1,000 annuity products from 75+ A-rated carriers. Whether you’re looking for immediate income, tax-deferred growth, or a large upfront bonus, our advisors will find the best annuity tailored to your goals.
✅ What Makes an Annuity Ideal at Age 65?
- Guaranteed Lifetime Income: Many annuities allow you to turn on income right away or within the first year.
- Upfront Bonuses: Some products offer bonuses of 10% to 20% on your premium, increasing your contract value immediately.
- Tax-Deferred Growth: Delay taxes on interest earned until you start withdrawals.
- Principal Protection: Fixed indexed annuities safeguard your savings from stock market losses.
- Impairment or Nursing Home Doublers: Some annuities double your income for up to five years if you become chronically ill.
📈 Real Example: 65-Year-Old in Georgia
We recently helped a 65-year-old retiree in Georgia roll over $250,000 from a 401(k) into a 7-Year Bonus Fixed Indexed Annuity. They received:
- 15% premium bonus added day one ($37,500 added to their account)
- Guaranteed lifetime income of approximately $17,500/year starting in year 2
- Full protection from any future market losses
This strategy allowed them to turn a volatile retirement account into a predictable income stream with enhanced safety.
🔍 Comparison: Top Annuity Types for Georgia Retirees
| Annuity Type | Best For |
|---|---|
| Fixed Indexed Annuities | Market-linked growth with downside protection |
| Multi-Year Guarantee Annuities (MYGAs) | CD-like fixed interest with no fees |
| Bonus Annuities | Upfront value increase for stronger income later |
| Immediate Income Annuities | Payouts starting within 30 days to 12 months |
📍 Georgia-Specific Annuity Benefits
- No state premium tax on most annuity products (as of 2025)
- Penalty-free access under Georgia-approved terminal illness and nursing home riders
- Higher bonus options from select carriers approved in Georgia
🔗 Helpful Resources
- Check Today’s Best Annuity Rates
- Learn More About Our Annuity Solutions
- Explore Fixed Indexed Annuities
- Browse Our Annuity Blog Library
📞 Get Your Personalized Annuity Quote
Our advisors at Diversified Insurance Brokers will compare the most competitive annuities approved in Georgia and customize a recommendation based on your age, goals, and income needs.
👉 Click here to request your free annuity quote
📅 Prefer to talk it through? Book a consultation with one of our licensed advisors or call us directly at 770-662-8510.