Find Out How Much Monthly Retirement Income Your Savings Could Help Create
An annuity may help turn part of your retirement savings into steady income you can count on. Answer a few quick questions and an AmericaFine representative will contact you to help review your options.
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Personalized Guidance
Options reviewed based on your retirement goals and state.
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Free Review
No cost and no obligation to move forward.
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AmericaFine has helped thousands of people explore retirement income options this year.
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Guidance available across all 50 states.
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Simple Process
Complete the form and an AmericaFine representative will contact you.
Why consider an annuity?
An annuity is a financial product issued by an insurance company. It is designed to help protect retirement savings, grow money tax-deferred, or create a stream of income during retirement.
For many retirees and pre-retirees, the main reason to consider an annuity is simple: they want part of their savings to produce predictable income they can use for monthly expenses.
Annuities may help you:
- Create steady retirement income
- Reduce exposure to market volatility
- Grow money tax-deferred
- Protect principal from direct market losses
- Plan for income that can last for life
- Provide options for a spouse or beneficiary
Is This the Right Time to Consider an Annuity?
If you are approaching retirement or already retired, now may be a good time to review how your savings can support predictable income. Answer a few questions and an AmericaFine representative will help you review your options.
Get My Free Income ReviewAnnuities are not right for everyone. The purpose of the free review is to help you understand whether an annuity may fit your goals, income needs, risk tolerance, and need for access to your money.
Common Questions About Annuities
Is an annuity right for me?
It depends on your income needs, risk tolerance, retirement timeline, and how much of your savings you want to protect. Annuities may be a good fit for people who want predictable retirement income, principal protection, or income options that can last for life. A licensed specialist can review your situation and explain whether an annuity makes sense and, if so, which type may fit your goals.
Can I access my money after purchasing an annuity?
Most annuities include provisions that allow access to a portion of your account value each year without surrender charges. The exact amount varies by product. Full surrender or larger withdrawals may be subject to charges during an initial period. Your specialist will walk you through the terms of any product before you commit to anything.
How are annuity payments taxed?
Taxation depends on whether the annuity was funded with pre-tax or after-tax dollars. Annuities funded through a traditional IRA or 401(k) rollover are generally taxed as ordinary income when distributions begin. Annuities funded with after-tax savings are generally taxed only on the earnings portion of each payment. A specialist can explain the basics, and a tax professional can help confirm how the rules apply to your specific situation.
How soon can I start receiving income?
Some annuities can begin income payments soon after purchase, while others are designed to start payments years later. The right timing depends on whether you need income now or want to plan for future retirement income.
What happens to my money if I pass away?
This depends on the product and the options you choose. Many annuities include death benefit provisions that may pass remaining account value to your named beneficiaries. Joint lifetime income options may also help ensure a surviving spouse continues receiving payments. A specialist can help you compare these options before you decide.
Is the annuity review really free?
Yes. The review is free, and there is no obligation to purchase anything. The goal is to help you understand what annuity options may be available based on your retirement goals and situation.
What happens after I submit the form?
An AmericaFine representative will contact you within 24h to learn more about your retirement income goals and help review your options. You can ask questions, compare potential strategies, and decide whether an annuity makes sense for you.
Take the Next Step Toward Predictable Retirement Income
Find out how an annuity may help protect part of your savings and create income you can count on. Complete the short form and an AmericaFine representative will contact you to help review your options.
Get My Free Annuity ReviewDisclaimer
AmericaFine is not an insurance company, investment adviser, broker-dealer, or tax adviser. AmericaFine connects consumers with independent professionals who can provide information about annuity products and retirement income options. Annuities are issued by insurance companies and may be subject to fees, surrender charges, withdrawal limitations, exclusions, holding periods, and other terms. Guarantees are backed by the claims-paying ability and financial strength of the issuing insurance company. Product availability and features vary by state and individual eligibility. This page is for informational purposes only and does not constitute financial, investment, legal, or tax advice.