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Not all products are available in all states. We do not offer tax or legal advice. Fixed annuities are insurance products.
Rates shown are subject to change at any time. For firm confirmation of current rates, a written proposal should be requested by calling call (800) 373-9697.
Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Managing general agency - CA Insurance License #0B67385
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Annuity Solutions
Single Life Immediate Annuity (SPIA)
A Single Life Immediate Annuity offers regular, guaranteed income for life — the only product that ensures you will never outlive your retirement income.
Key Benefits:
- Longevity protection — Payments that cannot be outlived
- Stable income — Guaranteed payments will not decrease
- Inflation protection — Option for annual increases
- Direct deposit — To your bank account
Joint Life Immediate Annuity
Guaranteed payments for as long as either joint annuitant is alive. Payments continue to the survivor.
Key Benefits:
- Longevity protection for two — Cannot be outlived
- Direct deposit — To your bank account
- Inflation protection — Option for annual increases
Period Certain Only
Guaranteed payments for a chosen period (5–50 years). Beneficiary continues receiving payments if you pass away early.
Key Benefits:
- Versatility — Perfect for specific time needs
- Automatic payments — Never miss bills or obligations
- Direct deposit — To your bank account
- Great for laddering
Deferred Income Annuity (DIA)
Guaranteed payments that can start years in the future (up to 40+ years). Ideal for future income planning and QLAC approved.
Key Benefits:
- Future longevity protection
- QLAC approved
Split / Combo Annuity
Combines a Multi-Year Guarantee Annuity (MYGA) with a Single Premium Immediate Annuity (SPIA). MYGA grows your money while SPIA provides income and potential tax advantages.
For more information on the Split Annuity:
Watch the Split Annuity Video →
Turn Your Premium Into
Guaranteed Lifetime Payments
Get impartial SPIA quotes from highly rated carriers.
single premium immediate annuity
The Insurance Product Built To Guarantee ANNUITY PAYMENT STREAMS
WHY A SPIA?
The risk of outliving one's retirement nest egg is a major concern for seniors and soon-to-be retirees. The insurance solution to this problem is the Single Premium Immediate Annuity (SPIA). The SPIA can ensure a lifetime income for the rest of your life. For single or joint lives, a premium return or refund guarantee is available. We show examples from a variety of companies based on pricing/income and carrier strength. Call (800) 373-9697 for a quote. The biggest income payments are frequently discovered by us.
🟢 Longevity Protection 🟢 Lifetime Options 🟢 Joint Lifetime Options 🟢 Set Payments 5 - 50 Years 🟢 (QLAC)
🟢 Return Of Premium Guarantees (Refund) 🟢 Cost Of Living Increases (COLA)
🟢 Take the hassle out of required distributions 🟢 (QLAC) No Annual/Up Front Fees
🟢 Payments are guaranteed with no fluctuation 🟢 Tax Exclusion Ratio
🟢 Deposited directly into your account. 🟢 Receive monthly, quarterly, semi-annual or annual payouts
Risk Averse? See us first! TM
We've been offering immediate annuities as a secure longevity payment choice for agencies, organizations, and individuals since 1996. Those who have discovered us frequently discover a larger income as well as a wealth of experience and knowledge.
Wholesale, fraternal, no-load, and retail immediate annuity rates are all available to us.3