Annuities | Life Income Path
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Fixed annuity rates change frequently. Rates available today may not be available next week — locking in sooner protects your return.

Fixed & Fixed Indexed Annuities

Guaranteed income you can't outlive — with zero market risk.

We compare fixed and fixed indexed annuities from 50+ top-rated carriers to find the best rates and income options for your retirement — at no cost to you.

We only offer fixed and fixed indexed annuities — not variable annuities. Your principal is fully protected from market losses, guaranteed by the issuing carrier.

Free consultation. No obligation. No pressure.
Annuities at a glance
Fixed annuity rates (current)Up to 5.5%+
Market loss riskNone — $0
Tax treatmentTax-deferred growth
Minimum deposit (typical)$10,000 – $25,000
Guaranteed income for life?Yes (with rider)
Products we offerFixed & Fixed Indexed

Free comparison — no obligation

Income Estimator

How much monthly income could your savings generate?

Adjust the sliders to get a ballpark estimate — then let us find the real annuity that fits your retirement goals.

Your situation

$150,000
$10K$500K
65
5580
Immediate
Now10 years

Your estimated results

Estimated monthly income
$813 / mo
Based on a 65-year-old with a fixed (MYGA) annuity
Annual income generated
$9,750 / yr
Tax-deferred until withdrawn
Your principal at risk from markets
$0
Fixed and fixed indexed annuities carry zero market loss risk
Estimates are for educational purposes only. Actual annuity income depends on your age, carrier, product type, payout option, and current rate environment. Not a solicitation or offer of insurance.
Zero Market RiskPrincipal always protected
Income for LifeYou can never outlive it
Tax-Deferred GrowthMore money compounding
50+ CarriersBest rates compared
Fixed OnlyNo variable annuities sold
Is an Annuity Right for You?
Find out in 60 seconds
Annuities aren't for everyone — but for the right person, they're one of the most powerful retirement tools available. Here's an honest look.

An annuity may be a great fit if you...

Have money you won't need access to for 3–10 years
Want guaranteed monthly income that covers your essential expenses for life
Are worried about outliving your retirement savings
Have money sitting in a CD earning low interest and want a better rate — safely
Want to protect your principal from market losses while still earning growth
Want to leave a guaranteed death benefit to your beneficiaries

An annuity may not be the right fit if you...

Need immediate access to the full amount — annuities have surrender periods
Are putting in your emergency fund or short-term savings
Are under 50 and years away from retirement income planning
Want aggressive market growth without any caps or limits on returns

Not sure which side you fall on? A 15-minute call with a licensed advisor can tell you definitively — free, no obligation.

What We Offer
Fixed & fixed indexed annuities —
explained simply
We only sell fixed and fixed indexed annuities — the two types available with a life insurance license that provide principal protection. Here's how each works.

Fixed Annuity (MYGA)

✦ Guaranteed rates up to 5.5%+

A Multi-Year Guaranteed Annuity earns a locked-in interest rate for a set term — 2, 3, 5, or 7 years. Think of it like a CD, but with better rates, tax-deferred growth, and no market exposure. Rate is guaranteed from day one, no surprises.

Best for people who:
Want a simple, guaranteed return
Are moving money out of low-rate CDs
Don't need the money for 3–7 years
Want tax-deferred growth

Fixed Indexed Annuity (FIA)

✦ Market upside · 0% floor · Income riders available

Growth is linked to a market index like the S&P 500 — but with a guaranteed floor of 0%. You can never lose principal due to market downturns, while still participating in gains up to a cap. Most FIAs also offer optional lifetime income riders.

Best for people who:
Want market growth potential without market risk
Are 5–15 years from retirement
Want an optional guaranteed income rider
Want to grow money safely long-term

A note on variable annuities: We do not sell variable annuities. Variable annuities are securities products that require a separate securities license and can lose value based on market performance. The fixed and fixed indexed annuities we offer are insurance products — your principal is protected.

Fixed Annuity vs. Bank CD
Why more retirees are moving
money out of CDs
Both are safe. But fixed annuities typically offer better rates, better tax treatment, and more tools for retirement income planning.
Bank CD
Typical 5-year rate~3.5–4.5%
Tax treatmentTaxed every year
Market riskNone
Early accessPenalty applies
Lifetime income optionNo
ProtectionFDIC up to $250K
Death benefit to heirsBalance only
Fixed Annuity (MYGA)
Typical 5-year rate~4.5–5.5%+
Tax treatmentTax-deferred until withdrawal
Market riskNone
Early access10%/yr penalty-free
Lifetime income optionYes (with rider)
ProtectionState guarantee funds
Death benefit to heirsFull value, outside probate
Current Rate Snapshot
What annuity rates look like right now
Representative rates from top-rated carriers. Rates change frequently — the sooner you lock in, the better.
Fixed (MYGA)
Guaranteed rate · No market exposure
2-year term~4.50–5.00%
3-year term~4.75–5.15%
5-year term~5.00–5.50%
7-year term~4.80–5.30%
Min. deposit$10,000+
Most Popular
Fixed Indexed (FIA)
Market upside · 0% floor
Floor (min. return)0% (never lose)
Annual cap (S&P 500)~8–14%
Income rider payout (65)~5.5–6.5%/yr
Surrender period7–10 years
Min. deposit$20,000+
Income (SPIA)
Immediate monthly income for life
$100K at 65 (male)~$580–$640/mo
$100K at 65 (female)~$545–$600/mo
$250K at 65 (male)~$1,450–$1,600/mo
$250K at 70 (male)~$1,700–$1,900/mo
Income startNext month

Representative rates from A-rated or higher carriers. Rates subject to change without notice and are not guaranteed.
Actual rates depend on your age, deposit amount, carrier, and product terms. These are not quotes or offers of insurance.

Setting the Record Straight
Common annuity myths — debunked
Annuities have a reputation problem — mostly from confusion with variable annuities or outdated products. Here's the truth about modern fixed annuities.
Myth
"If I die early, the insurance company keeps my money."
The truth
Most fixed annuities include a death benefit — your full remaining account value passes directly to your named beneficiary, outside of probate. Your family is protected.
Myth
"My money is completely locked up — I can't touch it."
The truth
Most annuities allow penalty-free withdrawals of up to 10% per year. Many also waive surrender charges for nursing home stays, terminal illness, or other qualifying events.
Myth
"Annuities are too complicated to understand."
The truth
A fixed MYGA is simpler than most bank products — you put money in, it earns a guaranteed rate, and you get it back with interest. We walk through every term in plain English before you sign anything.
Myth
"Annuities are only for wealthy people."
The truth
Many fixed annuities start at just $10,000. They're one of the most accessible retirement tools available — and especially valuable for middle-income retirees who need predictable income without Wall Street risk.
Myth
"The insurance company could go out of business."
The truth
We only recommend A-rated or higher carriers. Additionally, every state has a guarantee association that provides a backstop for annuity holders — typically up to $250,000 or more — if an insurer were to fail.
Myth
"I can get better returns just investing in the stock market."
The truth
You might — but you also might not. Annuities aren't competing with the stock market. They're competing with the part of your retirement that can't afford to lose. Think of them as the floor, not the ceiling.
Real Client Stories
Retirees who made the switch
50+
Carriers compared for every client
$0
Market loss risk on fixed annuities
5.5%+
Current top fixed annuity rates
$0
Cost to get a comparison quote
★★★★★

"My husband and I had no idea Social Security would only cover half our bills. Life Income Path helped us set up an annuity that covers the rest — guaranteed for life."

LT
Linda T.
Scottsdale, AZ
★★★★★

"I moved $120,000 out of a CD paying 3.8% into a MYGA at 5.3%. Same safety, more money, tax-deferred. One phone call and about 20 minutes of paperwork."

GH
Gerald H.
Tampa, FL
★★★★★

"I was nervous about putting money in an annuity after hearing bad things. The advisor took the time to explain everything and showed me exactly how the death benefit protects my kids."

BW
Barbara W.
Phoenix, AZ

Ready to see what rate you'd qualify for today?

Rates change week to week. A free comparison takes 15 minutes and costs nothing.

(315) 256-2154
What Happens Next
Getting started is easier than you think
No paperwork, no commitment, no surprises. Here's exactly what happens when you reach out.
1

You reach out

Fill out the contact form or call us directly. No commitment, no forms to sign — just a conversation. Takes about 5 minutes.

2

We compare 50+ carriers

A licensed advisor shops the market for the best rates and income options for your specific age, deposit amount, and goals.

3

You decide — on your terms

We walk through every option in plain English. No pressure, no upsells. You decide if, when, and what to move forward with. Zero obligation.

Free · No obligation · No pressure · Takes 15 minutes
Common Questions
Annuity FAQ
Are fixed annuities safe? +
Yes. Fixed and fixed indexed annuities carry zero market loss risk — your principal is protected regardless of what the stock market does. They're backed by the financial strength of the issuing insurance company, and every state has a guarantee association that provides a backstop (typically $250,000+) if a carrier were to fail. We only recommend A-rated or higher carriers.
What's the difference between a MYGA and a bank CD? +
Both offer a guaranteed rate. Key differences: MYGAs typically offer higher rates, your growth is tax-deferred (you don't owe taxes until you withdraw), most allow penalty-free withdrawals of 10% per year, and they often include a death benefit. Many retirees holding low-rate CDs switch to MYGAs once they see the comparison side by side.
Can I get my money back if I need it? +
Most annuities allow penalty-free withdrawals of up to 10% of your account value per year. Full surrender during the contract term may involve a surrender charge. Many contracts also include waivers for nursing home stays, terminal illness, or disability. After the surrender period (typically 3–10 years), you can access your full value with no penalties.
What is a "guaranteed lifetime withdrawal benefit" (GLWB)? +
A GLWB is an optional rider available on many fixed indexed annuities. It guarantees that no matter how long you live, the insurance company keeps paying you a set monthly income — even if your account value reaches zero. It's essentially a private pension you create with your own savings. There is typically an annual fee for this rider.
Do you sell variable annuities? +
No. We only offer fixed and fixed indexed annuities — the types available with a life insurance license that provide full principal protection. Variable annuities are securities products that can lose value based on market performance and require a separate securities license to sell. If you're looking for variable annuities, we'd recommend consulting a registered investment advisor.
What happens to my annuity when I die? +
Most fixed annuities include a death benefit — the full remaining account value passes directly to your named beneficiary, outside of probate. Unlike some pensions that stop at death, a properly structured annuity continues to protect your heirs. Some products also offer enhanced death benefit riders for additional protection.
How much do I need to open an annuity? +
Most fixed annuities start at $10,000. Fixed indexed annuities typically require $20,000 or more. There's no upper limit — some people place $500,000 or more in a single annuity. For very large amounts, we often recommend spreading across multiple carriers to stay within state guarantee fund limits.

Ready to see your options?

A licensed advisor compares real rates from 50+ carriers and explains every option in plain English — free, no obligation.

Or call (315) 256-2154
Why Choose Us
We find you the best rate — not the one that pays us the most

50+ carriers compared for every client

We shop the full market and present the best rates for your specific situation — not just what's convenient for us.

A-rated carriers only

We only recommend financially strong, top-rated insurance companies. Your money is protected by the carrier's claims-paying ability.

No fees charged to you — ever

Our advisors are compensated by the insurance carriers, not you. You get the same rate whether you use us or go direct.

Plain-English contract review before you sign

Surrender periods, withdrawal rules, income riders, death benefits — we explain every term so there are no surprises after you sign.

Annuities by the numbers.

Top fixed annuity rate today~5.5%+
$100K at 65 → monthly income~$580–640
Market loss risk (fixed)$0
Penalty-free access/yrUp to 10%
Minimum deposit$10,000
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for you in retirement.

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Important Disclosures: Life Income Path is an independent insurance education and referral resource. We are not affiliated with, endorsed by, or agents of any specific insurance carrier. We offer fixed annuities and fixed indexed annuities only. We do not offer, sell, or recommend variable annuities, which are securities products subject to market risk and require a separate securities license. Fixed and fixed indexed annuities provide principal protection — your account value will not decrease due to market performance. Guarantees are backed solely by the claims-paying ability of the issuing insurance company and are not FDIC insured or backed by any government agency. State insurance guarantee fund coverage varies by state — consult your state's life and health insurance guaranty association for limits applicable to your situation. All rate examples and income estimates shown are illustrative only, subject to change without notice, and are not a guarantee of any specific product, rate, or return. Annuity products involve surrender charges during the contract term and may not be suitable for short-term financial needs or as an emergency fund. Tax treatment described assumes non-qualified (non-IRA) annuity funds; consult a tax advisor for your specific situation. Please consult a licensed insurance professional in your state before making any purchase decisions. Life Income Path does not provide legal, tax, investment, or financial planning advice.
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