What it Is:

An annuity is a form of insurance that provides a person with an income for a lifetime, a specific period, or a combination of the two. A Fixed Guaranteed Annuity provides a guaranteed income stream without any market risk. Other kinds, such as the Indexed and Variable annuities, carry market risk. Because of this, Life Benefits only sells Fixed Guaranteed Annuities.


  • Locks in guaranteed growth
  • Provides a guaranteed income
  • No market risk
  • Customizable to meet specific needs
  • Can be purchased up to age 90


Annuities can be started with a lump sum or through a series of payments which accumulate value while income from the annuity is deferred.

Who is it for:

Annuities are for people who need to convert a lump sum of assets into a series of guaranteed payments or need a steady, guaranteed income for a period of years. They are often used by people in retirement to provide a guaranteed income stream for their lifetime.

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