Annuities are designed to help answer that with confidence. They take the savings you’ve worked hard to build and turn them into a stream of income you can’t outlive. Along the way, they give you the advantage of tax-deferred growth, protection against market uncertainty, and the peace of mind that comes with knowing your future has a safety net.
Annuities can provide steady payments for as long as you live, helping ensure you don’t outlive your savings.
Earnings grow tax-deferred, meaning you don’t pay taxes until you start receiving income.
Depending on the type of annuity, your principal may be protected from market downturns while still allowing for growth opportunities
Annuities can be tailored with features like inflation protection, death benefits, or riders that guarantee income for both you and a spouse
With predictable income and financial security, annuities provide stability so you can enjoy retirement with confidence.
A Single Premium Fixed Annuity takes one lump sum of money and turns it into guaranteed growth you can count on. From the moment you purchase it, your money is locked in at a fixed interest rate—so no matter what the stock market does, your savings keep growing steadily, tax-deferred. That growth can later be converted into a reliable stream of income, giving you financial stability you won’t outlive.
This type of annuity is often chosen by people who want to protect what they’ve already saved and enjoy predictable returns without worrying about market ups and downs. It’s a straightforward way to turn today’s savings into tomorrow’s peace of mind
Multi-Year Guarantee Annuity Series
Offers steady, guaranteed growth with a fixed interest rate and the benefit of tax-deferred earnings. With guarantee periods from 3 to 10 years and higher rates for larger premiums, it’s ideal for individuals seeking secure, predictable growth and peace of mind in retirement.
Multi-Year Guarantee MAX Annuity Series
Offers fixed, tax-deferred growth with flexible guarantee periods from 3 to 10 years and higher interest rates for larger premiums. It’s an excellent choice for individuals seeking steady, predictable returns and long-term security in their retirement planning.
Multi-Year Guarantee Annuity Series
Provides steady, tax-deferred growth with fixed interest rates and flexible 3-, 5-, or 7-year guarantee periods. With higher rates available for larger premiums, it’s ideal for individuals seeking reliable, low-risk growth and a secure way to build wealth for retirement.
A single premium indexed annuity is a one-time investment designed to grow your money based on the performance of a market index—like the S&P 500—while protecting your principal from market losses. It combines growth potential with safety, offering tax-deferred earnings, guaranteed minimum returns, and the opportunity to earn more when the market performs well. This makes it a strong choice for those seeking both stability and upside potential in their retirement strategy.
Smart Start Accumulator
Smart Start Accumulator Plus
Features two single premium fixed indexed annuities; Smart Start Accumulator and Smart Start Accumulator Plus. These powerful annuities are designed to give your funds a smart start with innovative features that can boost your accumulation potential from day one. With its unique blend of growth potential and protection, the Smart Start Accumulator Series offers a strategic approach to accumulating wealth while safeguarding your principal.
Fixed Indexed Annuity
Designed for those who want steady growth with peace of mind. It features a managed version of the S&P 500® index and offers four simple crediting strategies, giving you the opportunity to earn competitive returns without the risk of market losses. With guaranteed crediting rates locked in at issue, you can enjoy growth potential and avoid the uncertainty of fluctuating renewal rates. Plus, your earnings grow tax-deferred, allowing your wealth to compound over time. This annuity is ideal for individuals seeking reliable, low-risk growth with the potential for higher returns—perfect for those who value both security and simplicity in their retirement planning.
A single premium immediate annuity (SPIA) is a contract where you make a one-time payment and begin receiving guaranteed income almost right away—usually within a year. It’s designed to turn a lump sum into a steady, predictable stream of income for life or a set period. The key benefits include guaranteed lifetime income, protection against outliving your savings, and freedom from market risk, making it ideal for retirees seeking dependable income and financial peace of mind.
Single Premium Immediate Annuity
Turns a one-time payment into guaranteed income that begins almost immediately helping protect against one of today’s biggest financial fears: outliving your money. With customizable options for payment frequency, duration, joint or single life coverage, and even a 3% annual Cost of Living Adjustment, this annuity offers flexibility and peace of mind. It can also be used to fund ongoing expenses like long-term care, insurance premiums, or charitable giving, while offering potential tax advantages through income distribution. This annuity is ideal for retirees or near-retirees who want reliable, predictable income for life and the security of knowing their financial needs—and those of their loved ones—are covered no matter how long they live.
A fixed flexible premium annuity combines the stability of a fixed interest rate with the convenience of making ongoing contributions over time. You can add to your annuity whenever it fits your budget, and your earnings grow at a guaranteed rate, protected from market fluctuations. Because growth is tax-deferred, your savings compound faster without annual tax deductions on interest earned. This makes it a simple, low-risk way to build reliable income for the future—ideal for individuals who want steady, predictable growth and the ability to contribute gradually toward a secure retirement.
Flexible Premium Deferred Annuity
Is a flexible premium deferred annuity designed to help you build and protect your wealth with guaranteed stability and growth. It offers tax-deferred accumulation, a guaranteed minimum interest rate, and full principal protection—ensuring your investment grows safely over time. You can make additional premium payments in the first year, enjoy competitive interest rates with possible enhancements, and access your funds through flexible withdrawal options or systematic income payments. Plus, it includes waivers for disability or confinement, allowing penalty-free access during difficult times. At maturity or upon death, the full annuity value passes to you or your beneficiary without probate delays. This annuity is ideal for individuals seeking a secure, low-risk way to grow their savings, maintain financial flexibility, and enjoy peace of mind throughout retirement.
Flexible Premium Deferred Annuity
Is a flexible premium deferred annuity designed to help you grow and protect your wealth with guaranteed stability. It offers tax-deferred accumulation, a guaranteed minimum interest rate, and full principal protection—ensuring your money grows safely over time. You can make additional contributions as your budget allows, benefit from a 2% first-year interest enhancement, and enjoy flexible access through partial, full, or systematic withdrawals. Plus, disability and confinement waivers provide penalty-free access in times of hardship, and a death benefit ensures your loved ones receive the full contract value without probate delays. This annuity is ideal for individuals who want a secure, low-risk way to build long-term savings, maintain control of their funds, and enjoy financial peace of mind through life’s changing circumstances.
A Flexible Premium Fixed Deferred Indexed Annuity allows you to make ongoing contributions over time while earning interest based on the performance of a chosen market index—without exposing your money to market losses. Your principal is protected, and your earnings grow tax-deferred, allowing your savings to compound more efficiently. Because it’s a deferred annuity, you can let your funds grow until you’re ready to turn them into income later in life. This combination of flexibility, growth potential, and security makes it an excellent choice for individuals who want to steadily build retirement savings with the opportunity for higher returns than traditional fixed annuities—without sacrificing peace of mind.
Flexible Premium Fixed Deferred Indexed Annuity
Is a flexible premium, fixed deferred indexed annuity designed to provide secure growth with the potential for higher returns. It offers the stability of guaranteed principal protection and minimum interest rates, while allowing you to benefit from market-linked gains through multiple top-rated indices such as the S&P 500®, Nasdaq-100®, and S&P MARC 5%. With premium enhancements in the first three years, a variety of crediting strategies, and an optional lifetime income rider that ensures guaranteed income for life, it balances growth potential, flexibility, and long-term security. The Strategy Index 7 is ideal for individuals nearing or in retirement who want to protect their savings, maintain access to liquidity, and secure a reliable income stream—without exposing their money to market losses.
Flexible Premium Fixed Deferred Indexed Annuity
Is a flexible premium, fixed deferred indexed annuity designed for individuals seeking long-term growth, principal protection, and retirement income stability. It offers the flexibility to make additional premium payments over time, with premium enhancements applied during the first seven years to boost accumulation potential. Policyholders can choose from four top-rated indices — including the S&P 500®, Nasdaq-100®, S&P MARC 5%, and BNPP Patriot Technology Index — and seven crediting strategies that balance security with market-based growth opportunities. Even during market downturns, your principal remains protected by a guaranteed minimum value and 0% floor. For added peace of mind, an optional lifetime income rider provides guaranteed income for life, ensuring financial security throughout retirement. The Strategy Index 10 is ideal for those nearing or in retirement who want steady growth, lifelong income options, and flexibility without sacrificing protection.
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