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Annuities & Retirement Income

Income you can't outlive.

Turn your savings into guaranteed income you can't outlive — with tax-deferred growth and protection for your principal along the way.

What it is

Understanding Annuities

An annuity is a contract with an insurance company designed to provide steady, reliable income — often for the rest of your life. You contribute a lump sum or payments, your money grows tax-deferred, and later you can turn it into a guaranteed income stream.

Fixed and fixed-indexed annuities also protect your principal from market losses, making them a popular way to add certainty to a retirement plan and ensure you never run out of money.

See if it's right for you
The Pinnacle Promise

Annuities at a glance

GoalRetirement income
GrowthTax-deferred
PrincipalProtected*
IncomeGuaranteed*
Why choose it

The benefits that matter

Income you can't outlive

Turn savings into a guaranteed paycheck for life, so market swings never threaten your retirement.

Tax-deferred growth

Your money grows without annual taxes until you withdraw, helping it compound faster over time.

Principal protection

Fixed and fixed-indexed annuities protect your principal from market losses while still offering growth.

Legacy options

Riders can ensure any remaining value passes to your beneficiaries rather than being lost.

  • You're at or nearing retirement and want predictable, guaranteed income.
  • You worry about outliving your savings.
  • You want growth potential without risking your principal.
  • You'd like to reduce taxes on your retirement savings' growth.
Is it for you?

An annuity may be right for you if…

If any of these sound like you, Annuities is worth a conversation. A licensed agent will help you decide — with no pressure either way.

Talk to an agent
Simple process

Covered in about ten minutes

1

Review your goals

Tell a licensed agent about your savings, timeline, and income needs.

2

Compare guarantees

We compare A-rated annuity options and show the guarantees in plain language.

3

Secure your income

Choose your plan and set up income you can count on for life.

Good to know

Questions, answered

Are annuities safe?
Fixed and fixed-indexed annuities protect your principal and are backed by the issuing insurer's financial strength. We only work with A-rated carriers and will explain every guarantee in plain language.
What types of annuities are there?
The main types are fixed (a set interest rate), fixed-indexed (growth linked to an index with a floor), and immediate (income starting right away). We'll match the type to your goals.
How is an annuity taxed?
Growth is tax-deferred until you withdraw it. Income is then taxed as ordinary income. Specifics depend on how the annuity is funded — a tax professional can advise on your case.
Can I get income for life?
Yes. Lifetime income options and riders can guarantee payments for as long as you live, no matter how long that is or how markets perform.

Plan income that lasts — get a quote.

No exam, no obligation. A licensed Pinnacle agent will confirm your exact options and answer every question — at your pace.