Why Annuities Matter: The Paycheck You Can’t Outlive

Most Retirement Fears Boil Down to One Question

“What if I live longer than my money does?”Annuities answer that question with a simple, powerful promise: income that is guaranteed for as long as you live — no matter if that’s 5 years or 35.

How Annuities Protect You and Your Family

1. Eliminates the Risk of Running Out of Money
   Unlike 401(k)s or investments that can drop when the market crashes, a lifetime annuity pays you the same amount every month for the rest of your life — market goes up, down, or sideways.

2. Replaces the Paycheck You Lost When You Retired
   Social Security alone usually isn’t enough. An annuity becomes your personal pension, covering essentials like groceries, utilities, and medical costs — automatically.

3. Shields Your Spouse
   Choose a joint-and-survivor option, and the payments continue 100% (or 75% or 50%) to your spouse after you pass — so they never have to move or downsize against their wishes.

4. Locks in Today’s Higher Payout Rates
   Annuity income rates are tied to interest rates and age. Waiting usually means a lower monthly income for the same amount saved. Acting now often secures thousands more per year.

5. Reduces Sequence-of-Returns Risk
   A big market drop in the first few years of retirement can destroy even the best-laid plans. Money inside an annuity is insulated — you get paid regardless.

6. Simplifies Everything
   No more guessing how much you can safely withdraw each year. Your annuity check shows up like clockwork — giving you freedom to spend the rest of your portfolio on travel, family, or fun.

7. Works Alongside (Not Instead Of) Your Other Savings
   Think of it as the “basics-are-covered” floor. Once essentials are guaranteed, you can invest the rest of your money more aggressively or leave it to heirs.