Your Annuity Overview courtesy of
Your Annuity Overview courtesy of

If You Care About It, Get It In Writing5 Annuities to Protect What You Care About

Written guarantees from licensed insurance companies · presented by James Alden, licensed insurance agent, CA #0C53378

A friendly word, before you decide

Working With a Financial Advisor?

Retirement is a time for certainty, not white-knuckling. Your investments got you here; now a contract keeps you here.

Only a contract lets you take your eye off the ball and enjoy retirement the way you’re supposed to!

  1. Keep Your Advisor. Really.

    You don’t have to leave anyone to do this, and most of my clients don’t. A guaranteed-income annuity simply covers the part of your money you never want at risk. Your advisor keeps managing the rest. Think family doctor and specialist.

  2. “Why Haven’t I Seen These Quotes?”

    Fixed and fixed indexed annuities are insurance contracts, licensed and regulated separately from investments. Most advisors can offer only the few their firm has approved. Annuities are my only focus: I compare 50+ insurers every week, and I deal in guarantees, not market risk.

  3. Who Gets Paid, and How?

    Fee-based advisors are usually paid a percentage of the money they manage, every year. Money that moves into a guaranteed annuity is money they no longer manage, so that pay structure can discourage guaranteed income, even with the best of intentions.

    I’m paid a one-time commission by the insurance company. No yearly fee on your money. It’s worth knowing both.

  4. Insurance, Not an Investment

    A fixed or fixed indexed annuity is an insurance product, built for protection and guaranteed income, not market growth. Your principal isn’t exposed to market losses. That’s why it sits next to your investments instead of replacing them.

  5. Get Their Best Quote. Then Let Me Try to Beat It.

    Ask your advisor for their best guaranteed lifetime income, in writing, for the same amount, the same age(s), the same start date, single or joint, and the same death benefit. Send it to me, and I’ll show you line by line whether I can beat it.

    Two good questions to ask them: “Which insurers can you quote, and how many?” and “Is this income guaranteed, or projected?”

  6. Bring Your Advisor Along

    Happy to set up one call with you and your advisor together. No pressure, just the numbers side by side.

    📅 Schedule a Time💬 Text Jim

Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. James Alden, licensed insurance agent, CA #0C53378.

What Kind of Report Would You Like?

Everything on this page stays free to look at. Tick what you’d like in writing, and Jim prepares it in your name, for your state, and emails it to you. Free, with no obligation.

Your Personal Annuity Report

Or just the boxes I choose

Reports on the Insurers

Before You Apply

About you, so Jim can run your numbers
Or text Jim instead

“Email Me My Report” sends your request to Jim, who emails your report to you himself. “Or text Jim instead” opens your own messages app with your request written in; nothing is sent until you press send. Either way, you agree that Jim at Safe Money Singer (jim@safemoneysinger.com) may reply by text, call or email about your request, as described in his Privacy Policy. Reports are prepared for your state; rates and product availability vary by state, so they may differ from what you see on this page. Please leave out Social Security, account numbers and dates of birth.

First, Activate Your Portal

Your Personal Annuity Report is built from your own numbers and prepared in your name, so it needs your first name, amount and age before it can print. Enter them right here; a spouse age is optional.

Nothing is sent anywhere: your numbers stay on this device.

If You Care About Guaranteed INCOME Rates UpdatedOctober 26, 2026

Prefer GROWTH?Jump to Boxes 4 & 5

Policy Type: Principal Protection, Predictable Interest Income Only for a Term, Must be Re-Invested After Term, Income is 100% Taxable

Enter your amount and age above to see your lifetime income here.

Policy Type: Flexible Income Start Dates, Market Growth Potential, May Enhance Payments for Long Term Care, Redeemable After Term, Full Death Benefit of Remaining Balance, Annual Fee for Highest Income Competitor, Payment Stops on Last Death

Policy Type: Irrevocable Payments for Term, Continues through a death if a death occurs during term, May Provide Tax Benefits, Excellent for Structured Payments for Heirs, No Funds Remain after Term

NOTE: Policy 2 and Policy 5 are actually the same annuity.

Policy 2 adds an income rider for guaranteed lifetime income; Policy 5 leaves it off to grow.

Policy 1 and Policy 4 are also the same annuity.

Policy 1 pays you its interest each month; Policy 4 leaves the interest in to grow.

If You Care About Guaranteed Safe GROWTH Rates UpdatedOctober 26, 2026

Policy Type: Same as #1 with Interest Not Taken, Earnings can be withdrawn fully taxable at end of term OR tax favorably by annuitization (non-IRA money)

Box 4 locks in a fixed rate. An INDEX ANNUITY keeps your principal just as protected, while your interest follows the S&P 500. Zero in down years, and gains up to a cap in up years.

Policy Type: Principal Protection, Interest Linked to the S&P 500, 0% Floor in Down Years, Gains Limited by a Cap, Cap Can Change Each Year, 10% Annual Withdrawals, Income Rider Available

See Adjustable S&P Rates See Locked in S&P Rates See Bonus Rates
Text Jim about these

Your Preliminary Annuity Analysis

Policy Type: All Five Options Above, Side by Side, Using the Same Amount of Money

Policy Type: Both Sides Wait 7 Years, Then Turn On Income for Life. One Grows Savings First and Buys a Pension; the Other Grows a Guaranteed Income Base

Policy Type: All Five Options Above, If Death Comes in Year 3, Year 10 or Year 20

Policy Type: Your Own Blend of the Five, Using the Same Amount of Money

Based On: Social Security’s Actuarial Life Table for People Your Age Today

Policy Type: All Five Options Above: Free Withdrawals, Typical Surrender Charges and Waivers

Compares: The Stock Market, a Bank CD and Your Annuity Choices, Using the Same Amount of Money

Compares: A Bank CD and a Guaranteed MYGA, Same Non-IRA Money, Same Term, After Taxes

Based On: Your Monthly Income From Policies 1, 2 and 3, at the Inflation Rate You Pick

Compares: Buying Your Lifetime Income Today Versus Buying the Same Income on the Day You Retire

Compares: The Same Non-IRA Money in One MYGA Paying Interest, or Split Between a MYGA and a 10-Year Term Certain, After Taxes

There is nothing RIGHT or WRONG about your annuity choice.Your Risk-Aversion is Unique to You!

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Rates change weekly. Everything here is this week’s.

RATES / RATINGS / FEES (if any) / STRATEGIES / FORMS / LIQUIDITY / WAIVERS / SURRENDER SCHEDULE ETC.

After Evaluating Your Report(s), Get to Know Your Insurer, Your Agent and Your Sample Policy Before Deciding.

📅 Schedule a Time Here
Text Jim Call (949) 500-5478

The Two Kinds of Annuities That You Will Not Find on This Page

There are two other annuity contracts on the market, and neither one is here. I am insurance licensed only, I do not sell either of them, and I am not paid on either of them. You should still know what they are, because they are the ones most often confused with box 5.

A variable annuity puts your money into subaccounts that hold stocks and bonds. The value rises and falls with those funds, with fees taken out along the way. There is no floor under it. If the funds drop, your account value drops.

A registered index-linked annuity, or RILA, also called a buffer or structured annuity, follows an index the way box 5 does, and it usually allows more upside than a capped index annuity. You pay for that upside by taking part of the loss. A buffer absorbs the first slice of a decline, often 10%, and you absorb everything past it. A floor works the other way: your loss stops at a set point and you carry the drop down to it. Either way, a RILA can lose money.

Here is the difference that matters. Each of the 5 Policy Types above gives back (at a bare minimum) what you originally put in. An index annuity credits zero in a down year, never less, which is exactly why its gains are capped. A RILA lifts that cap by handing part of the downside back to you. More upside, real risk. Neither one is better; they answer different questions.

Both are registered securities. They are sold by prospectus, by a representative holding a securities registration, which I do not hold and do not intend to pursue. If one of them turns out to be the right answer for you, I will say so plainly and point you toward someone licensed to write it.

This section is general education only. It is not a recommendation, an offer, or a solicitation to buy any variable annuity or registered index-linked annuity, and it is not complete. Those products are securities, are offered only by prospectus, and their buffers, floors, caps, fees, and terms vary by contract and by company. Read the prospectus in full before buying any registered product, and speak with a properly licensed representative about it.