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Retire with confidence, not guesswork
Better 2 Insure helps you use fixed annuities to create predictable, guaranteed income so you can enjoy retirement without worrying about market swings.
What is a fixed annuity?
A fixed annuity is an insurance contract that:
- Guarantees a fixed interest rate on your money for a set period
- Protects your principal from market losses when held to term
- Grows tax deferred until you take income or withdrawals
- Gives you income for life
Keeps your money safe and growing at a guaranteed rate, helping you build reliable retirement income without the ups and downs of the market.
Why retirees consider fixed annuities
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Guaranteed growth
Your balance grows at a set rate, regardless of market volatility
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Predictable income
You can turn your annuity into a steady monthly income stream
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Principal protection
Market downturns don’t reduce your contract value
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Tax deferred growth
Interest isn’t taxed until you withdraw, which can help long term planning
A fixed annuity provides guaranteed growth and principal protection, built specifically for long-term retirement planning rather than short-term market moves.
How a fixed annuity fits into retirement Building your “safe money” bucket
We use fixed annuities to create a stable foundation in your retirement plan—money you don’t want exposed to market risk.
Coordinating with Medicare & other benefits
Retirement isn’t just income; it’s healthcare, timing, and taxes. We look at your Medicare, employer coverage, and savings together so your annuity strategy supports the whole picture.
Income Strategies
- Let the annuity grow for future income
- Turn it into a guaranteed monthly check
- Use it to cover specific needs (housing, healthcare, or legacy goals)
Who fixed annuities are best for
- Pre retirees and retirees (55+) who want stability
- People worried about stock market volatility
- Those who value predictable, guaranteed income
- Savers who don’t need daily access to all their funds and can commit for several years
Better 2 Insure helps you decide how much—if any—of your retirement savings should be in fixed annuities.
Key considerations
Time commitment
Early withdrawals can trigger surrender charges and tax penalties
Inflation
Fixed rates may not keep up with rising costs over long periods
Carrier strength
Annuities are backed by the insurance company’s claims paying ability, not FDIC
We only recommend carriers with strong financial ratings and explain all terms clearly before you decide.
Frequently Asked Questions
Our guidance is always free — we’re here to help you understand your options.
No. They’re usually one piece of a broader retirement strategy, not a full replacement.
They avoid market risk, but you still need to understand surrender periods, fees, and inflation trade offs. We walk you through all of that in plain language.
When held to term with a reputable carrier, your principal is protected from market losses under the contract terms.
We review your age, goals, risk tolerance, income needs, and existing accounts to see if a fixed annuity adds value—or if another approach makes more sense.
Ready to make your retirement income more predictable?
Better 2 Insure provides independent, no cost guidance on fixed annuities and retirement planning, tailored to your life and goals.
Call or text: 215 868 9316
Email: M.Jackson@better2insure.com
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