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Annuities

Retirement income you can count on, month after month

If you've spent decades saving, the next question is how to turn savings into dependable income without exposing everything to market swings.

717-600-0160
A retired couple reviewing retirement income statements at their kitchen table

What an annuity actually is

An annuity is a contract with an insurance company. You place a sum of money with the carrier, and in exchange the carrier credits interest and can later pay you income — either for a set number of years or for the rest of your life.

Fixed annuities credit a stated interest rate and protect your principal from market losses. Fixed indexed annuities tie growth to a market index with a floor, so a down year doesn't reduce your principal, though gains are capped. Income annuities convert a lump sum into guaranteed monthly payments that can be structured to continue for a surviving spouse.

Annuities are long-term contracts. They come with surrender periods, and guarantees depend on the financial strength of the issuing carrier. They aren't right for money you may need next year — and we'll tell you that plainly rather than talk you into one.

Who it's for

  • You want income that doesn't stop if you live longer than expected
  • You'd like to protect a portion of your savings from market losses
  • You have CDs or savings earning less than you'd like
  • You want to be certain a spouse keeps receiving income
  • You're looking for tax-deferred growth on money you don't need right now

Good To Know

What we help you understand

No jargon, no pressure — just clear answers so you can decide with confidence.

Guarantees & carriers

We review the financial strength ratings behind any contract we discuss with you.

Access to your money

Surrender schedules and free-withdrawal provisions explained clearly before you decide.

Income design

Single life, joint life, or period certain — we map the payout to your household's needs.

Why An Independent Broker

We work for you — not for one insurance company

  • We compare options from multiple carriers instead of selling a single company's product.
  • We explain every detail in plain English, at your pace, as many times as you need.
  • We track rate trends, policy changes and carrier reputations year after year.
  • Our guidance comes at no cost to you.
“Ian is professional, honest, sincere, and very informative for us seniors. He has our backs and gets the best plan.”
— Lois S.

Start Your New Benefits With Nu Life

A free, no-obligation conversation is the easiest first step. We'll listen, explain your options in plain English, and never pressure you.

Text 717-600-0160

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Our Camp Hill office

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