The market doesn't care that you're retired. A single correction can gut 30 years of savings. Guaranteed income removes the gamble.
Social Security covers half your bills — maybe. The rest needs to come from somewhere guaranteed.
One crash at the wrong time erases years of growth. You need income that doesn't depend on what the market does.
An annuity is the only financial product that guarantees income for life. No matter how long you live.
One call. 15 minutes. You leave with a clear picture — whether you work with us or not.
Your income stream starts with one conversation — not months of paperwork.
The wrong annuity locks your money up for a decade. We match you with income and access.
Results may vary. Individual coverage depends on health, age, and underwriting.
We assess how much guaranteed income you need and when you need it to start.
Fixed, indexed, or income annuity — we match the right vehicle to your retirement plan.
Your income stream is guaranteed. No market risk, no guessing — just certainty.
A fixed annuity guarantees a set interest rate and a guaranteed income — your principal is protected from market losses. A variable annuity invests in market sub-accounts and can gain or lose value. We specialize in fixed and fixed-indexed annuities — products where your principal is always protected and your income is always guaranteed.
With a fixed or fixed-indexed annuity, no — your principal is protected from market losses. Fixed annuities guarantee a set interest rate. Fixed-indexed annuities credit interest based on market index performance but have a 'floor' of 0% — meaning you cannot lose principal due to market downturns. Variable annuities do carry market risk, which is why we generally do not recommend them.
For non-qualified annuities (funded with after-tax dollars), a portion of each payment is return of principal (tax-free) and a portion is earnings (taxable as ordinary income). For qualified annuities (funded with pre-tax dollars from an IRA or 401k), the full payment is taxable as ordinary income. Growth inside the annuity accumulates tax-deferred until payments begin.
Most deferred annuities allow free withdrawals of up to 10% per year without penalty. Withdrawals beyond that may trigger a surrender charge during the surrender period (typically 5–10 years). After the surrender period ends, you have full access. We explain the surrender schedule before any purchase.
This depends on the payout option you choose. A lifetime-only annuity stops at death. A period-certain or joint & survivor annuity continues payments to a beneficiary. Many annuities also have a death benefit that returns your remaining account value to heirs if you die before exhausting it. We help you select the right payout option for your situation.
Whether you're looking for coverage or looking to build something meaningful — we're here.
Choose a time that works for you — no obligation, no pressure.
FIRST PILLAR LEGACY