Fixed annuities
May provide a declared interest rate for a specified period, subject to contract terms.
Retirement income solutions
Explore annuities for the retirement you’re building.
AGBI helps you understand annuity options from multiple carriers at once and find a strategy that fits your goals.
Annuity basics
A clearer way to explore your options.
Annuities are insurance contracts designed to help address long-term income and accumulation goals. The right fit depends on your timeline, risk preferences, liquidity needs, and overall financial plan.
Fixed indexed annuities
May offer interest credits linked in part to an external index, with caps and participation rates defined by the contract.
Immediate annuities
May convert a lump sum into payments that begin soon after purchase.
Deferred annuities
May allow assets to accumulate before income begins at a future date.
Carrier access
Compare options from established retirement carriers.
Depending on your state, goals, suitability, and eligibility, available options may include products from these carriers.
Carrier names and logos are examples for educational purposes only and do not guarantee availability, rates, approval, or recommendation. Products and features vary by state and contract.
Compare with confidence
One conversation. Multiple carrier options.
AGBI is an independent agency. We can explain income options, fees, surrender periods, liquidity provisions, and contract features before you make a decision.
Book a ConsultationQuestions worth asking
- How long is the surrender period?
- What income options and riders are available?
- How much liquidity should remain outside the contract?
- What are the tax implications?
- How strong is the issuing insurer financially?
Important considerations
Understand the trade-offs.
Guarantees depend on the issuing insurer’s financial strength. Withdrawals may be subject to surrender charges, ordinary-income taxation, and—in some cases—an additional tax penalty before age 59½. Variable annuities are securities and involve investment risk.
This page is general education, not tax, legal, or investment advice. Consult qualified professionals about your circumstances.
Your next step
Get a personalized annuity review.
Schedule a conversation to discuss your goals and available options.
Book a Consultation