Guaranteed Lifetime Income — Protected From Market Crashes Never Outlive Your Money.
An annuity locks in a reliable income stream for life, shields your savings from market losses, and lets you pass remaining assets to your family. No guesswork — your income is contractually guaranteed.
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Principal Protection
Your savings are sheltered from market downturns
Lifetime Income
A check every month — for as long as you live
Legacy for Your Family
Remaining value passes to your beneficiaries
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*American Coverage Quotes is an independent agency. Carrier availability varies by state.
How does an annuity work?
You fund your annuity with a lump sum or rollover, and the carrier provides contractually guaranteed income payments — monthly, for life. Fixed and fixed-indexed options also protect your principal from market losses.
Income for Life
Payments continue as long as you live — no matter how long.
Protected Savings
Fixed and indexed options shelter your principal from market losses.
Tax-Deferred Growth
Savings accumulate tax-deferred until you begin taking income.
Leaves A Legacy
Remaining value transfers to your named beneficiaries.
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What Is an Annuity?
An annuity is a contract between you and an insurance carrier: you fund it with a lump sum or a series of payments, and in return the carrier provides a steady, contractually obligated income stream — often for the rest of your life. It is one of the only financial tools that can guarantee you will never outlive your money.
Fixed and fixed-indexed annuities also protect your principal — the insurer absorbs the market risk while you receive predictable growth and income. They are widely used to supplement Social Security, replace a pension, or de-risk a retirement portfolio.
The income guarantee, explained: With a lifetime income rider, your annuity pays a set amount every month for as long as you live — regardless of market conditions or how long you live. If you pass away with value remaining, it goes to your named beneficiaries.
Annuity vs 401(k) — How Do They Compare?
Both serve a role in retirement planning. Here is how they differ on the features people ask about most. Many retirees use both — a 401(k) to build assets during working years, an annuity to convert a portion of those assets into guaranteed income they cannot outlive.
| Feature | 401(k) | Annuity |
|---|---|---|
| Guaranteed lifetime income? | No — you draw down the balance | Yes — payments continue for life |
| Lose money in a market crash? | Yes — balance can drop | Fixed/indexed options protect principal |
| Can I roll over an old 401(k)? | Only into another qualified plan | Yes — direct 401(k)/IRA rollovers allowed |
| Risk of outliving your money? | Yes — balance depletes over time | No — lifetime income rider prevents this |
| Beneficiary payout at death? | Yes — remaining balance passes on | Yes — remaining value to beneficiaries |
Educational only — not an insurance illustration. A licensed agent provides your personalized figures and product comparison.
How Do I Qualify for an Annuity?
Qualification is generally straightforward:
Age. Annuities are available at most ages, though income strategies are most common for people approaching or already in retirement. A licensed specialist will identify which products best fit your timeline.
Savings or rollover funds. You fund an annuity with a lump sum — either from savings, an old 401(k) rollover, or an IRA transfer. There is no medical exam required for most annuity products.
Retirement goals. Whether your priority is maximizing monthly income, protecting your principal, or leaving a legacy, a specialist matches you to the product structure that fits. All confirmed on a free, no-obligation call.
Common Annuity Questions, Answered
Educational only — not an insurance illustration. A licensed agent provides your personalized figures.
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