Safe Money Singer

The Insurance Industry Protects What You Care About…So, What Do You Care About?

This is a self-serve annuity quote analysis tool. Choose one of 5 preferred annuity formats, then get in touch and I will send which insurance companies provide it.

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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 DeathThis is the same type as #5 below, but with an income rider attached

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

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

Policy Type: Same as #3 with Interest Not Taken, Earnings can be withdrawn fully taxable at end of term OR tax favorably by annuitization

Income NOT a Concern?

Boxes 3 and 4 lock in a fixed rate. But 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

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

There is nothing RIGHT or WRONG about your annuity choice.Choose What YOU Want to Protect

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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. Every one of the seven boxes above gives back at least what you 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.