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What is an Annuity?

An annuity is a long-term retirement tool that can be a cornerstone of your financial security and success. It can help you protect and grow your retirement nest egg, or you can turn it into guaranteed lifetime income.



You pay a premium


In exchange for your premium, you receive unique benefits and guarantees . They provide an annuity contract and promises to look after your money.


Your financial professional will help you select the policy that best meets your needs:

Savings protection and growth potential

Guaranteed lifetime


retirement income

Looking for a guaranteed rate of return for your retirement savings?

In the prolonged low-interest-rate environment we are in, it can be a challenge to find a guaranteed rate of return that meets your needs. Many Americans are turning to alternative solutions like a multi-year guaranteed annuity (MYGA) to help fill this gap.

A MYGA offers you the opportunity to:

  • Earn tax-deferred interest on your principal at a fixed rate of return for a certain period of time.

  • Know your interest rate upfront and that it's locked in during the guarantee period.

Fixed annuities including MYGAs fall under the conservative category of solutions.

Looking for retirement income 
you can count on?

If you have 5-15 years before retirement, now can be a good time to make sure you're on track and to start thinking about how to turn your savings into future retirement income. Talk to your financial representative about

Looking for a guaranteed rate of return for your retirement savings?

When it comes to your hard-earned retirement savings, does the thought of letting your money ride with the ups and downs of the stock market give you an uneasy feeling? But you don't want to miss out on the sharing in some of the potential gains? A more conservative solution, called a fixed indexed annuity (FIA) may be right for you.

An FIA gives you PROTECTION from market losses and GROWTH POTENTIAL based on a market index (like the S&P 500®) — without the risk of actually participating in the market.

What needs do you have?

  • Do you want to grow your retirement nest egg? Are you approaching retirement and want to turn your savings into income? A combination of both?

  • We offer a number of products that can provide downside protection, growth potential or guaranteed income for life.

  • Let's explore which E&P annuity solutions can meet your needs.


Talk to a Financial & Insurance Professional

We’ll collaborate, co-create and act as partners in your prosperity.

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