Guaranteed Lifetime Income
Create predictable retirement income that you may not outlive.
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Find the Right Annuity for Your Retirement Goals
Not every annuity is designed for the same person or retirement strategy. Learn the most important things to consider before choosing an annuity and explore options that may fit your goals, income needs, and comfort level.
Step 01
Share Your Goals
Answer a handful of quick questions about your retirement vision and financial situation.
Step 02
Get Matched Instantly
Our intelligent engine analyzes your quiz results and prepares you to find annuity options designed around your needs and goals.
Step 03
Talk to an Expert
Connect with an IFW Certified Retirement Income Expert to review your results and answer your questions.
Start With Your Goals
What Are You Trying to Accomplish in Retirement?
Protecting Savings From Market Volatility
Reduce exposure to market swings and retirement uncertainty.
Growing Retirement Savings Conservatively
Explore strategies designed for long-term growth with lower risk.
Leaving Money to Loved Ones
Consider legacy and beneficiary planning strategies.
Reducing Retirement Income Uncertainty
Plan for inflation, longevity, and changing retirement expenses.
Supplementing Social Security & Pensions
Add a dependable income layer to complement your existing retirement sources.
Not sure which goals matter most for your retirement?
Take the Free Quiz & Find Your AnnuityImportant Things to Compare
What Should You Compare Before Choosing an Annuity?
Want help narrowing down which features may matter most for your retirement goals?
Take the Free Quiz & Find Your AnnuityTypes of Annuities
Different Annuities Are Designed for Different Retirement Needs
Fixed Annuities
Provide a guaranteed interest rate over a set period.
Best Fit
Retirees seeking stability and predictable growth.
Potential Strengths
- Principal protection
- Predictable interest
- Tax-deferred growth
Potential Tradeoffs
- • Limited growth potential
- • Surrender charges may apply
Fixed Indexed Annuities
Growth tied to a market index with downside protection.
Best Fit
Those wanting growth potential without direct market loss.
Potential Strengths
- Principal protection
- Index-linked growth
- Optional income riders
Potential Tradeoffs
- • Caps or participation limits
- • Complex contract features
Income Annuities
Begin paying guaranteed income shortly after purchase.
Best Fit
Retirees needing immediate, predictable income.
Potential Strengths
- Lifetime income option
- Simple structure
- Predictability
Potential Tradeoffs
- • Limited liquidity
- • Less flexibility once started
MYGAs
Multi-Year Guaranteed Annuities lock in a fixed rate for a set term.
Best Fit
Conservative savers comparing rates to CDs and bonds.
Potential Strengths
- Guaranteed rate
- Tax-deferred growth
- Principal protection
Potential Tradeoffs
- • Surrender charges
- • Limited flexibility during term
Deferred Income Annuities
Income begins at a future date you choose.
Best Fit
Pre-retirees planning future guaranteed income streams.
Potential Strengths
- Higher future income
- Longevity protection
- Flexible start date
Potential Tradeoffs
- • No early access to funds
- • Income locked at purchase terms
Variable Annuities
Growth based on underlying investment subaccounts.
Best Fit
Those comfortable with market risk seeking long-term growth.
Potential Strengths
- Market growth potential
- Optional income riders
- Tax deferral
Potential Tradeoffs
- • Market risk
- • Higher fees
- • Complex features
Common Retirement Risks
Retirement Risks Many People Overlook
Sequence of Returns Risk
What it means
Poor market returns early in retirement can permanently reduce portfolio longevity.
Why it matters
Withdrawals during downturns lock in losses.
How planning may help
Guaranteed income sources can reduce reliance on market withdrawals.
Longevity Risk
What it means
The risk of outliving your retirement savings.
Why it matters
Many retirees underestimate how long retirement may last.
How planning may help
Lifetime income strategies can provide income you can't outlive.
Inflation Risk
What it means
Rising prices reduce the purchasing power of your income.
Why it matters
Even modest inflation compounds significantly over decades.
How planning may help
Inflation-aware strategies and growth components may help offset rising costs.
Market Volatility
What it means
Unexpected market swings can disrupt retirement plans.
Why it matters
Volatility is hardest to absorb when you're drawing income.
How planning may help
Principal protection options can stabilize a portion of retirement assets.
Healthcare Costs
What it means
Medical and long-term care expenses can be significant in retirement.
Why it matters
Healthcare inflation often outpaces general inflation.
How planning may help
Predictable income can help cover essential expenses including healthcare.
Running Out of Income
What it means
The combined risk of all the above leading to income shortfalls.
Why it matters
Income gaps in later years are difficult to recover from.
How planning may help
Diversified income sources, including guaranteed income, may reduce this risk.
See how retirement risks may impact your situation.
Take the Free Quiz & Find Your AnnuityThe Bigger Picture
Annuities Are One Piece of a Broader Retirement Income Plan
A thoughtful retirement plan blends multiple income sources, growth strategies, and protections — annuities can play a role, but they're not a one-size-fits-all solution.
Diversification
An annuity is one tool — not a complete plan. Coordinate it with other assets.
Guaranteed Income
Predictable income can cover essentials while other assets pursue growth.
Balancing Growth and Protection
Healthy plans typically blend market exposure with downside protection.
Retirement Confidence
Knowing essential expenses are covered can improve peace of mind.
Coordinating with Social Security
Strategies often work best when paired with Social Security claiming decisions.
Planning for Longevity
Plan for a long retirement, not an average one.
Personalized Discovery
Discover Which Retirement Income Strategies May Fit Your Goals
Take the Free Annuity Finder Quiz to explore annuity and retirement income options based on your goals, timeline, retirement concerns, and income needs.
- Learn which annuity types may fit your goals
- Explore retirement income strategies
- Understand important risks and tradeoffs
- See how different approaches may impact retirement confidence
- Get educational guidance tailored to your answers