At Diversified Insurance Brokers, we specialize in helping retirees and pre-retirees design retirement income strategies that are predictable, reliable, and built to last. With access to more than 100 top-rated insurance carriers and over four decades of combined experience, our advisors know how to turn your savings into guaranteed lifetime paychecks. For many clients, annuities provide the missing piece of the retirement puzzle—a way to replace a pension, fill gaps in Social Security, or simply create peace of mind knowing that income will continue no matter how long you live.

Part of that peace of mind is knowing you’re working with highly rated carriers. Many families like to research specific companies individually using reviews such as Is Liberty Mutual a Good Insurance Company?, Is Primerica a Good Insurance Company?, Is Principal a Good Insurance Company?, Is National Guardian Life a Good Insurance Company?, and Is Northwestern Mutual a Good Insurance Company? as they narrow down which providers they’re most comfortable with.

Whether you are rolling over an IRA, 401(k), or other retirement account, or you are simply planning ahead for future income, we can help you compare today’s strongest annuity products and build a plan that fits your unique goals. Every recommendation we make is tailored to your financial situation, and because we are independent, we have no loyalty to a single company—we work for you, not the carrier. If you’re early in the research phase, you may want to start with how to choose the right annuity, then review top annuity rates as of today and the highest annuity rates today to see how current offerings line up. Request your free quote today and review side-by-side illustrations of your personalized income options.

Why Use an Annuity for Monthly Retirement Income?

Unlike investments that fluctuate with the market, annuities can provide dependable monthly income for life. This makes them especially attractive for people who want more predictability in retirement and less worry about outliving their savings. Some of the key benefits include:

• Guaranteed Paychecks for Life: Convert a portion of your retirement savings into income you cannot outlive, regardless of market conditions or longevity.
• Flexible Payout Choices: Choose single life, joint life, period certain, or a combination that fits your needs and protects your spouse.
• Principal Protection: Your money is shielded from stock market losses with many fixed and indexed annuities, giving you security in volatile times.
• Potential for Income Growth: Indexed annuities offer the opportunity for increasing payments over time, tied to the performance of market indexes. If you’re comparing rider-based designs, it can help to first understand how much an annuity income rider costs relative to a simple payout option.
• Tax-Deferred Growth: Your earnings accumulate without annual taxation until withdrawn, helping you maximize long-term accumulation and coordinate with questions like whether Social Security is taxable in your situation.
• Legacy Benefits: Many contracts include death benefit options, ensuring your beneficiaries are protected and your legacy is preserved. For more detail on this piece, see what happens to my annuity when I die.

Who Should Consider This Type of Annuity?

Annuities designed for monthly retirement income are often a strong fit for:

• Retirees without pensions who want a reliable source of income to supplement Social Security.
• Couples who want joint lifetime income that continues even if one spouse passes away.
• Pre-retirees looking for income to begin now or within the next few years, creating a bridge between work and full retirement.
• Individuals who value stability and protection from market volatility over chasing higher returns.
• Anyone who worries about outliving their retirement savings and wants the security of guaranteed lifetime income.

How Annuities Compare to Other Options

For many people, annuities are a safer, more reliable alternative to drawing income from investments. Unlike the stock market, annuities provide guarantees that your money won’t run out. While CDs and bonds can provide stability, they usually lack the lifetime income guarantees annuities offer. And unlike pensions, which are disappearing for many workers, annuities give you the power to create your own “personal pension” on your terms.

Example Scenario

Consider a 65-year-old retiree rolling over $300,000 from his IRA into a fixed indexed annuity with an income rider. At the time of publication, this strategy could provide:

• Income beginning in 12 months
• Guaranteed monthly payments of approximately $1,750 for life
• Joint income continuation if his spouse is included on the rider

This creates stability and simplifies retirement planning—no more guesswork about how much to withdraw each month, and no risk of running out of money too soon. The retiree can enjoy peace of mind knowing his income is secure, while his spouse is also protected. For clients coordinating income with healthcare planning, we also discuss how annuity payments interact with topics like whether long-term care benefits are taxable and how those benefits may show up in overall retirement cash flow.

Our Promise to You

At Diversified Insurance Brokers, we pride ourselves on offering unbiased advice and a wide selection of products. Because we represent over 100 carriers nationwide, we can compare multiple options and design a strategy that aligns with your needs, not the agenda of a single company. Our advisors are fiduciaries, which means we always put your best interests first. From the first conversation to enrollment and beyond, our mission is to help you retire with confidence and security.

Request your free annuity quote today and discover how predictable income can transform your retirement plan. With Diversified Insurance Brokers, you’ll gain not only financial security but also the confidence of having a trusted partner by your side.