Annuities
A Paycheck You Can't Outlive.
Annuities convert a portion of your retirement savings into guaranteed monthly income — arriving on time, every month, for the rest of your life. No market risk. No running out. Just a paycheck.
0%
Market Risk
Monthly
Frequency
Lifetime
Duration
Plain English
What is an annuity?
An annuity is a contract between you and an insurance company. You transfer a lump sum — typically from an IRA, 401(k), or savings — and the insurance company guarantees you a fixed monthly payment for a period you choose, or for the rest of your life.
Think of it as converting your retirement savings into your own personal pension. Instead of watching a balance and hoping it lasts, you receive a paycheck — every month — regardless of how the market performs.
At Assure Avenue, we work exclusively with Fixed and Fixed Indexed Annuities — not variable annuities. The distinction matters enormously.
Fixed Annuity
Stable & Predictable- Guaranteed fixed interest rate
- Principal fully protected
- Predictable, steady tax-deferred growth
- Similar to a CD — without the annual tax drag
Best for: Conservative savers who want certainty above all else
Fixed Indexed Annuity (FIA)
Growth + Protection- Interest linked to a market index (S&P 500, etc.)
- 0% floor — market losses never touch your principal
- Participation in market upside via cap or participation rate
- Income riders available for guaranteed lifetime income
Best for: Savers who want growth potential without market risk
Part of the Three-Legged Stool
This is Leg One.
Annuities solve the income leg of your retirement strategy — the foundation everything else rests on. Without guaranteed income, you're managing withdrawals and hoping the market cooperates. With it, your baseline is secured and the rest of your portfolio can be positioned for growth.
Your income goes further when your home is protected. Learn about the Foundation →
Is This Right for You?
An annuity might be the right fit if...
You're approaching retirement
You're 55–70, have accumulated savings, but your only guaranteed income is Social Security. You want a second guaranteed check in place before you stop working.
Market crashes have kept you up at night
You remember 2008. You remember 2020. You don't want to manage withdrawals wondering if this is the year a market drop wipes out your retirement account.
You want income that protects your spouse
You want to make sure that if you pass first, your spouse continues receiving the same monthly income — not a fraction of it, and not nothing.
Common Questions
Annuity FAQ
Let's design your retirement paycheck.
In a free 30-minute strategy session, we'll review your current retirement picture, run projections, and show you exactly what guaranteed income could look like for your situation — no obligations, no pressure.
Insurance products offered through licensed agents. This content is for educational purposes only and does not constitute financial advice.