The Hidden Risks of Not Using an Annuity in Retirement
Many retirees rely solely on Social Security, pensions, or market-based accounts like 401(k)s and IRAs. But without a guaranteed income source like an annuity, you may be exposing yourself to several risks that could jeopardize your financial security.
1. Longevity Risk
Outliving your money is a very real concern—especially with people living longer than ever. Annuities offer lifetime income, ensuring you never run out of funds no matter how long you live.
2. Market Volatility
Stock market downturns can derail retirement plans. Fixed and indexed annuities offer principal protection, ensuring your retirement income doesn’t depend on market performance.
3. Inflation Risk
Some annuities include optional inflation riders or income that increases over time—helping you maintain purchasing power.
4. Lack of Predictability
Annuities offer consistent, dependable income you can count on—month after month, year after year.
At Diversified Insurance Brokers, we’ll show you how to integrate annuities into a comprehensive plan so you’re protected from all angles.
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