Income for Life

Retiring Is Easy, Staying Retired Is Difficult.

We Help You STAY Retired.

As the baby-boomer generation ages and Social Security’s sustainability is debated, more and more of the responsibility associated with retirement falls to the individual.  Being able to provide a consistent stream of income during your retirement years is essential in order to maintain your standard of living, health, pay your bills, and provide for any assisted care later in life.  It’s important to start thinking about this source of income early and often.

Money sitting in a savings account accrues very little interest.  While it’s important to have a saving account that you can rely on, it’s money that isn’t actively working for you.  There are many ways in which to invest money that will gain value for when you retire.  Annuities are opportunities to pay, either in a lump sum or in payments, to an insurance company.  This money is then used by the insurance company for other investments to allow them to make money.  In return, you are guaranteed* a set amount of money in distributed payments after you reach a specified age.  This is one way in which to make sure you have a steady stream of income after you retire.

At Income for Life, we know that picking investments such as annuities can be tricky business.  There are over 2,000 insurance companies which you could work with, all with different terms and conditions.  So how do you choose?  At Income for Life, we look for the very best annuity options that have the highest payouts and lowest fees to include in your retirement plan.     

*Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by carrier. Annuities are NOT FDIC insured.

“As powerful a tool as these FIA’s can be for a safe-money return, It is their ability to
simultaneously provide you with a guaranteed lifetime income stream that makes them so darn attractive.”

Tony Robbins; Money: Master The Game. 2014 publish.



  • One-time Commitment
  • Fixed Interest Rate


  • Low Interest Rates
  • Surrender Charges



  • Opportunity for Growth
  • Income Riders Available


  • Dependent on Market
  • Surrender Charges
  • Possible High Fees



  • Predictable Income
  • Immediate Payouts
  • Stable Income Stream


  • Can't Withdraw Additional Funds
  • No Growth Opportunities

Fixed Index


  • Likely Higher Interest
  • Guaranteed Protection Against Down Market
  • Linked to Market


  • Withdrawal Penalties
  • Surrender Charges
  • Market Participation Changes



  • Lifetime Income Opportunities
  • Index Gain Potential
  • No Market Loss
  • Income & Death Benefit Riders
  • Control of Money


  • Surrender Charges
  • Account Value & Income Value Separate

Exclusive Hybrid Annuities

Proprietary Products Reserved For Top Firms


Hybrid annuities are a combination of both fixed and variable annuities covered in a single contract.  The fixed annuity options allow you to have guaranteed income that keeps up with the rate of inflation, while the variable options in the contract allow to you to see a greater return on your investment.  

The exclusive hybrid annuities that Income for Life has access to are only available to the top 1 percent of investment firms in the nation.  Our standing provides greater access to high-end, high-performance products that many individuals do not even see as an option.

Like many other annuity products, it’s important to understand that there are certain individuals who may find this type of annuity as a best fit.  Individuals having started their retirement planning but not quite retired yet may find the best value in exclusive hybrid annuities as they have the most to gain in the shortest amount of time prior to retirement.  

Find Out MoreAbout Exclusive Hybrid Annuities

Variable Annuities

More Growth, But More Risk


Because annuities involve investing money through an insurance contract which then is invested in a specific market portfolio, the return on investment is different for each and every product.  Variable annuities are higher risk products but have the potential to have a greater return on investment.  However, the potential higher return on investment also comes with the investor having to assume the higher-performance risk.  Unlike fixed annuity contracts, there is absolutely no guaranteed return because the money is invested in a variety of stocks, bonds, and money market accounts.

The major benefits to a variable annuity is the ability to accumulate capital on a tax-deferred basis and also to make sure your annuity investment stays ahead of the rising cost of living.  A tax-deferred basis means that you do not pay taxes on the invested money until you withdraw from the annuity.  At the time of withdrawal, as long as it’s within the correct time period, the money is taxed as regular income.  These benefits allow your money to really work for you and accumulate value over time.      

Find Out MoreAbout Variable Annuities

Immediate Annuities

Instant Income Planning


An immediate annuity is an annuity contract that is purchased in a single lump-sum payment.  This single lump sum then guarantees immediate distributed payments to the individual who purchased the plan.  Ideally, individuals who have concerns about their savings or other retirement plan options running out may want to consider this investment option.  

Some immediate annuities can have drawbacks that others do not such as the annuity not paying out to the family or estate if the individual passes, where other forms of annuities will.  Therefore, immediate annuities are typically not advised for individuals in poor health.  

Many different factors go into the purchasing of immediate annuities and the return on the money you spend.  If you have questions about whether an immediate annuity is a viable option for your retirement plan, contact the financial planners at Income for Life today in order to find the best fit for you!  

Find Out MoreAbout Immediate Annuities

Fixed Annuities

Best Guaranteed Interest Rates


Prior to 1952, the only type of annuities available for purchase and inclusion in a retirement plan were fixed annuities.  These annuities involve entering into a contract with an insurance company that then will guarantee a return on your invested principal plus a set, fixed interest rate.  These investments are considered almost as safe as investing your money in a certificate of deposit (CD).  

Like we mentioned under variable annuities, fixed annuities allow you to defer paying taxes on any income that is currently invested and when it is distributed at the set contract dates you only have to pay your regular income tax rates, instead of higher rates that can come with other investments.

Many annuities can have complicated rules and restrictions.  For example, you may receive five percent interest for the first year or two, but then only three percent for the years following that.  Don’t worry about trying to find the best annuities and having to read all the fine print.  At Income for Life, we’ve already dug into the fine print for you!   

Find Out MoreAbout Fixed Annuities

Fixed Index Annuities

Best Of Both Worlds


A fixed index annuity is a new product in the annuities marketplace.  It combines benefits from the market that can help improve your return on investment while still helping to reduce the risk involved in this type of investment.  Much like a fixed annuity, fixed index annuities offer a guaranteed principle and set terms in which the principle will be invested during.

The main difference in a fixed index annuity is that the interest returned on the principle is based on stock market indices.  This boils down to if the section of the stock market your money is invested in does well, you will see a higher return.  If it does poorly, you will not compound any interest for that year.

You can reap the reward with a much lower risk to your principal investment.  Find out more when you talk with a specialist at Income for Life today!

Find Out MoreAbout Fixed Index Annuities
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