Discover how lifetime income annuities provide reliable income for life, protecting you from outliving your money and serving as essential longevity insurance for your retirement years.
Income payments continue for as long as you live, regardless of market conditions
Your initial investment is protected from market losses and volatility
Know exactly how much income you'll receive each month for life
Think of lifetime income annuities as your personal pension plan—a financial contract that transforms a lump sum into reliable monthly income for the rest of your life.
A lifetime income annuity is an insurance contract where you pay a premium (either as a lump sum or through periodic payments) to an insurance company. In return, the insurer commits to pay you a specific amount of income for the rest of your life, no matter how long you live.
This creates a powerful form of longevity insurance—protecting you from the financial risk of living longer than expected and potentially outliving your savings.
Income continues for life, regardless of market performance or economic conditions
Many annuities offer cost-of-living adjustments to maintain purchasing power
Your money grows tax-deferred until you start receiving payments
Discover how income riders attached to fixed indexed annuities create powerful lifetime income streams, whether for single life or joint life income, using various account types to optimize your retirement strategy.
An income rider is an optional benefit you can add to a fixed indexed annuity that creates a separate "income account" designed specifically for generating lifetime income payments, regardless of your annuity's cash value performance.
Contractual commitment that income payments continue for as long as you live, even if your cash account reaches zero
Income account grows at contractual rates while you defer taking income, resulting in higher future payments
Joint life options ensure surviving spouse continues receiving income payments at same or reduced levels
Choose the right account type to optimize your tax situation and retirement income strategy
Tax-Deductible Contributions
Those wanting immediate tax savings and expecting to be in lower tax bracket in retirement
Tax-Free Growth & Income
Those expecting higher tax rates in retirement or wanting to maximize tax-free legacy
Maximum Flexibility
High earners who've maxed retirement accounts or those wanting unlimited contributions
Many investors use a combination of all three account types to diversify their tax exposure. For example: Traditional IRA for immediate tax savings, Roth IRA for tax-free growth, and non-qualified annuities for unlimited additional contributions without restrictions.
Advanced strategies for maximizing your income rider benefits, including timing considerations, rollover strategies, and portfolio integration techniques for optimal retirement income planning.
One of the most powerful features of income riders is the contractual growth of your income account during the deferral period. The longer you wait to start income, the larger your protected payments become.
Income account grows at 6-8% annually regardless of market performance, compounding your future income potential
Each year you defer increases your base payout rate, creating higher monthly income for life
Can start income earlier if circumstances change, though at lower payout rates
Tax-Free Transfer
Diversified Approach
Dollar-Cost Averaging
Use income riders to create a guaranteed "floor" of retirement income, then invest remaining assets for growth potential above this floor.
Replace traditional bond allocations with income rider annuities for higher income potential and no interest rate risk.
Create multiple income streams starting at different ages to maximize flexibility and optimize payout rates
Ages 62-65
Bridge gap before Social Security and fill early retirement income needs
Ages 65-70
Complement Social Security and provide core retirement income foundation
Age 70+
Maximize payout rates and provide premium lifestyle income in later years
Take our specialized quiz to discover which lifetime income annuity products align with your retirement goals and risk tolerance.
Get tailored lifetime income solutions based on your unique financial situation and goals.
Understand your longevity risk and determine the optimal income protection strategy.
See detailed projections of protected income for life based on your investment amount.
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Answer personalized questions to discover the best lifetime income annuity options for your retirement security.
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