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Annuities — Mississippi

Guaranteed Income
You Cannot
Outlive.

An annuity is the only financial product that can guarantee you income for the rest of your life regardless of how long you live or how the market performs. We shop multiple carriers to find the right annuity structure for your retirement goals.

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Annuity Types

Fixed, Indexed,
and Income Riders.

Each annuity type serves a different retirement income need. We match you to the right structure.

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Fixed Annuity
Guaranteed interest rate for a set period. Predictable growth with no market risk. FDIC-equivalent safety through state guaranty associations.
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Fixed Indexed Annuity
Growth linked to a market index with a floor of zero — you participate in market gains up to a cap but never lose principal to market downturns.
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Income Rider
An add-on to fixed or indexed annuities that guarantees a specific income stream — often 5–7% annual growth on the income base — regardless of account value.
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Single Premium Immediate Annuity
Convert a lump sum into an immediate income stream. Ideal for retirees who want guaranteed income to start right away.
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Deferred Income Annuity
Fund now, receive income later. Guarantees a specific income amount starting at a future date — useful for income planning 10–20 years out.
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Rollover Annuities
Convert 401(k) or IRA funds into an annuity with tax-deferred growth and optional guaranteed lifetime income. We handle the rollover process.
Common Questions

Annuities FAQs.

Are annuities safe investments?+
Fixed and indexed annuities are insurance contracts, not investment accounts. Your principal is protected by the insurance carrier and backed by state guaranty associations up to applicable limits. They are generally considered conservative financial instruments.
What is a surrender period?+
Annuities typically have a surrender period of 3–10 years during which withdrawing more than 10% of your account value incurs a surrender charge. We explain surrender schedules clearly and match you to annuities whose terms fit your liquidity needs.
How are annuity payouts taxed?+
Annuity earnings grow tax-deferred. When you take distributions, the earnings portion is taxed as ordinary income. If funded with after-tax dollars, only the gain is taxable. Qualified annuities (funded with IRA or 401k dollars) are fully taxable upon withdrawal.
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