Annuities Quotes For Guaranteed Retirement Income

Guaranteed income for life. Protect your retirement with annuities that provide stable, predictable payments.

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Compare Annuity Options & Get Guaranteed Income for Life.

Why Annuities?

Guaranteed Lifetime IncomeNever outlive your money with a guaranteed income stream that lasts as long as you live. Annuities provide predictable retirement income.

Tax-Deferred GrowthYour money grows tax-deferred until withdrawal, maximizing compound growth over time. Pay taxes only when you take distributions.

Principal ProtectionYour principal is protected from market downturns in fixed and fixed indexed annuities. Sleep well knowing your retirement savings are secure.

Compare Annuity Types

Comparison is general. Actual policy features vary by carrier and plan design.

Annuity Income Estimates

Fixed Annuity Rates (2024)

By Contribution Level

Rates shown are national averages. Your actual rate may vary based on location, coverage level, and individual factors.

About Ethos Annuities

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WHAT OUR CUSTOMERS SAY

“Ethos made comparing annuities simple. I locked in a 5.2% rate on a fixed annuity without sitting through a sales pitch.”

Robert J. — retiree

“The guaranteed income from my annuity gives me peace of mind. I know exactly what I’ll receive every month.”

Dorothy M. — Retired Nurse

Frequently Asked Questions

What is an annuity?
An annuity is a financial contract with an insurance company that provides guaranteed income payments in exchange for a lump sum or series of contributions. Annuities are designed to provide steady retirement income that you cannot outlive.

How do annuities work? You contribute money to an annuity during the accumulation phase, where it grows tax-deferred. When you’re ready, you convert to the distribution phase and receive regular income payments — monthly, quarterly, or annually — for a set period or for life.

What types of annuities are there? The main types are fixed annuities (guaranteed interest rate), fixed indexed annuities (returns linked to a market index with a floor), variable annuities (invested in sub-accounts with market risk), and immediate annuities (income starts right away after a lump sum payment).

Are annuities a good investment for retirement? Annuities can be excellent for retirees who want guaranteed income they can’t outlive. They’re best for people who have maxed out other retirement accounts and want to reduce market risk. Fixed and fixed indexed annuities offer principal protection with competitive rates.

What is the difference between fixed and variable annuities? Fixed annuities guarantee a set interest rate and protect your principal — you know exactly what you’ll earn. Variable annuities invest in market sub-accounts with higher growth potential but also the risk of losing money. Fixed indexed annuities offer a middle ground.

Can I withdraw money from an annuity early? Most annuities allow partial withdrawals (typically up to 10% per year) without penalty. Larger withdrawals during the surrender period may incur surrender charges of 5-10%. Withdrawals before age 59.5 may also trigger a 10% IRS penalty.

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