Annuities
Build a retirement income strategy around your real needs.
An annuity is an insurance contract that can provide tax-deferred accumulation, a future income stream, or both. Different types carry different risks, costs, and limits.
What to know
Start with the purpose, then compare the contract.
Insurance is not one-size-fits-all. We look at the need, budget, time horizon, health history when relevant, and the features that matter before discussing available products.
- Fixed and fixed indexed options may be available
- Tax-deferred growth
- Optional lifetime income features
- Beneficiary provisions vary
Know the tradeoff.
Annuities may include surrender charges, withdrawal limits, market-value adjustments, caps, spreads, participation rates, and rider fees. They are not FDIC-insured, and guarantees depend on the insurer’s claims-paying ability.
Serving Southern Nevada
Local guidance without pretending every city needs a different policy.
Insurance rules and carrier availability generally apply at the state level, not by city. We serve Nevada clients throughout Clark and Nye counties, including Las Vegas, Henderson, North Las Vegas, Mesquite, Boulder City, and Pahrump.
See Nevada service areas →A careful comparison
Questions before an application.
What is guaranteed?
Only guarantees stated in the issued policy apply. Non-guaranteed projections, dividends, and index-crediting outcomes can change.
When does coverage begin?
Coverage begins only as stated by the insurer after application, underwriting when required, approval, premium, delivery, and any other policy conditions.
Should I replace existing coverage?
Not automatically. Replacement can restart contestability periods, require new underwriting, increase cost, or remove valuable benefits. Compare both contracts first.