Annuities and retirement income.
An annuity is a contract with an insurance company that turns savings into income you cannot outlive. A Topflight agent explains the types in plain language and shops the carriers.
Fixed, indexed and immediate
- Fixed annuities
- A guaranteed interest rate for a set term. Principal is protected by the carrier.
- Fixed indexed annuities
- Interest tied to a market index with a floor, so a down year does not reduce principal. Most offer a lifetime income rider.
- Immediate annuities
- Start paying within a year, for people who want income now.
- Deferred annuities
- Grow tax-deferred and begin income later, often at retirement.
What a Topflight agent does for you
- Explains how each type fits your timeline and goals.
- Compares carrier ratings, rates and surrender schedules.
- Coordinates with your Social Security and Medicare decisions.
- Costs you nothing. Agents are paid by the insurance carrier, not by you.
Talk to a licensed agent
Free consultation, no pressure. Monday to Friday, 9:00 AM to 5:00 PM EST.
We do not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE for information on all your options.
Common questions
Still unsure? Email support@topflightagent.com and a real person answers.
Is my principal safe in a fixed indexed annuity?
Fixed indexed annuities have a floor, usually zero, so a down market year does not reduce your principal. Guarantees depend on the claims-paying ability of the carrier.