Annuities

Understand fixed indexed annuities before deciding whether an insurance-based retirement income option fits your needs.

Know what an annuity offers and what it asks of you.

An annuity is a contract with an insurance company. Its accumulation and income features depend on the specific contract. We can explain available fixed indexed options and compare their benefits and limitations.

Fixed indexed annuities

Interest crediting relates to an index under the contract’s rules. You do not invest directly in that index. Caps, participation rates and other crediting terms affect the result and can change as the contract permits.

Before deciding

Review surrender periods, charges, withdrawal restrictions and any rider costs. Understand which benefits are guaranteed and which are not. Guarantees depend on the issuing insurer’s claims-paying ability.

An annuity is not automatically the right destination for an old retirement account. Compare your existing plan’s benefits and the alternatives before making a rollover decision.

Explore old accounts and rollover choices ↗

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A few things you may be wondering

Does an annuity keep all my money immediately available?

Not necessarily. Withdrawal limits, surrender charges and contract terms matter. Keep your need for accessible funds in the conversation.

Is an illustration a guaranteed outcome?

No. Separate guaranteed contract provisions from non-guaranteed assumptions.

Questions to think about

Will I outlive my retirement income?
How much money do I need to keep accessible?
What surrender period and charges apply?
Which benefits are guaranteed by the contract?
What income sources will cover my essential monthly expenses?

Start by mapping your existing income and expenses. We can discuss potential shortfalls and insurance-based options, including their costs and limitations. A conversation does not require a purchase or rollover.

Watch & learn

A closer look at the topic.

Indexed annuities

An introduction to indexed annuity concepts. Compare the actual contract’s crediting rules, liquidity limits and costs during your review.

Third-party video · Watch on YouTube ↗

Educational videos selected by Marquita. The creator’s branding may appear; it does not change your relationship with Gaby Moses Business & Legacy Solutions. Product availability and terms must be confirmed for your situation.

Bring your questions. Let’s make your next step clearer.

Share what you want to review. Marquita will follow up to arrange your conversation.

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