Guaranteed income from annuities provides retirees with the confidence that a steady, predictable stream of payments will arrive every month—regardless of how long they live or how the market performs. At Diversified Insurance Brokers, we help clients secure retirement income through annuities from over 75 top-rated carriers. Whether you need income to start right away or prefer to defer for larger future payouts, we can help you choose the right solution.
For many people, the idea of turning a portion of their savings into a “personal pension” is the key to a stress-free retirement. Annuities can help you achieve that goal while also protecting your principal from market downturns.
How Guaranteed Income Annuities Work
When you purchase a guaranteed income annuity, you are converting part of your retirement savings into a guaranteed payment stream. You can start these payments immediately or defer them to a later date for potentially higher amounts. Options include:
- Immediate Income Annuities: Payments start within 12 months.
- Deferred Income Annuities: Begin in the future with potentially higher payouts.
- Fixed Indexed Annuities with Income Riders: Growth potential plus guaranteed withdrawals for life.
Example: Turning Savings into Reliable Income
At the time of publication, a 65-year-old investing $300,000 in a 7-year fixed indexed annuity with an income rider could receive over $25,000 annually for life starting in year 5. This income is guaranteed, even if account values decrease due to withdrawals or market volatility.
Key Benefits of Guaranteed Income Annuities
- ✅ Lifetime Security: Payments continue for as long as you live.
- ✅ Market Protection: Avoid losing income due to stock market declines.
- ✅ Flexible Options: Choose single or joint life payouts.
- ✅ Tax Advantages: Delay taxes on earnings until withdrawal.
Who Should Consider This Strategy?
Guaranteed income annuities are a strong fit for retirees or pre-retirees who want predictable monthly cash flow, especially if they don’t have a pension. They can also help protect a spouse’s income in the event of your passing.
Get Personalized Annuity Rates
We compare over 1,000 annuity products to find the best rates and features for your situation. Visit our annuity rate page here to explore today’s top options.
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