Retirement Annuities
Finding the best Next Generation Annuity has never been easier. Lock in your Annuity Bonus with exceptional guaranteed Lifetime Retirement Income. The IQ Wealth® Management selection system puts you in control without limiting your options.
Annuity Bonuses
10-40%
Lifetime Income
5-18%
Annuities
When real estate seems too risky or too work intensive, it leads many people to the other source of higher paying fixed income, retirement annuities. The advantage to annuities includes no hassle, plus rock solid asset backed guarantees. Annuities can be a smart choice, but it’s important to remember that not all annuities are created equal. There are actually four different types of annuities: Immediate, Variable, Fixed, and Fixed Index.
Important
Annuities from legal reserve life insurance companies are licensed and audited by all 50 states. By comparing, you can find the right annuity that will provide you with more than enough income for life, protect your from market loss, and protect your heirs.
Types of Annuities
The Annuities of Old are a Thing of the Past
Immediate
If you’ve ever heard a cautionary tale about annuities taking your money when you die, they are likely talking about Immediate Annuities. Immediate annuities are the least popular form of annuity and are rarely (if ever) recommended by experts.
Variable
Variable annuities can produce lifetime income, but they usually don’t have the level of income security that your annuity is supposed to provide. And if you’ve ever been warned about “High Annuity Fees”, they’re talking about variable annuities.
Fixed
Fixed annuities are quite secure, but they don’t pay much more than CDs, and are like buying bonds. After the five year period, you have to start all over again with your planning efforts. Most people want a retirement plan that lasts, not one they have to redo every few years.
Fixed Index
You conservatively grow money without losses over time. When your market index goes up, your principal can gain, but when the index falls, you are protected and can’t lose. You don’t get all of the gains, but you get none of the losses. There is no annual management or advisor fee.
Past performance of any asset or index should never be relied upon to predict future results. No specific product or company being promoted. Guarantees rely on the financial strength of the issuing insurer. Not FDIC insured, not a bank deposit.
Next Generation Annuities
Receive fixed income for life, like a pension, and the insurance company won't keep your money when you die. In the past, the only way you could get a lifetime income from an annuity was to “annuitize”, which means turning over your principal in exchange for income for life. That idea is dead and gone.
For a smart person looking to retire and STAY retired with lasting high income—Next Generation Retirement Annuities can be the answer. There is no need to annuitize anymore because of the advent of the Guaranteed Lifetime Withdrawal Benefit— “GLWB” for short.
These Next Generation Retirement annuities are nothing like old style annuities. Depending on age and deferral period, Next Generation annuities can pay a permanent income rate anywhere from 5% to 18% income guaranteed for life.
But here’s the thing, it’s all about finding the right Next Generation annuity because some of them pay up to 40% more than others, which is why it’s important to compare with an experienced Fiduciary, preferably an Accredited Investment Fiduciary® and a Certified Annuity Specialist.®
Lifetime Annual Income Estimates
Next Generation Retirement Annuities
*TIME SENSITIVE. Interest rates on annuities can be fluid, especially when bond rates are moving. These rates reflect the highest incomes available as of May of 2024. These rates are single income for life. Joint income rates are somewhat lower. All rates of annuity income rely upon the age of the annuitant and the length of time income is deferred. Deferring = delaying the start of your lifetime income. We compare 1200+ annuities. Rates locked in at time of application. These rates reflect the highest paying annuity rates available. Annuity buyers are encouraged to compare on the basis not only of income, but also accumulation potential, liquidity options, and company ratings.
Amount
See the color coding in the above chart.
Age
Above example is age 64. The older you are, the higher the income.
Deferral
The longer you defer, the higher the income.
Paid Monthly
Above figures are annual, income is paid monthly.
Licensed With All Carriers
We Independently Review 1200+ Annuities For You
What's up With Interest Rates
Our economy is in an uneasy place. With wars, elections, and shaky markets hitting us almost daily, the word recession is being thrown around a lot. In an attempt to slow down inflation, the Federal Reserve has pushed up interest rates progressively over the past two years to what may now be seen as a peak. As a result, we're seeing interest rates higher than they've been in the last 25 years.
Important
The Federal Reserve is very likely to reduce and normalize interest rates soon due to political and economic pressure.
How You Can Benefit
High interest rates translate to higher annuity income rates. High interest rates can have a very negative impact on the economy and especially the real estate market, but they can actually have the opposite effect on annuities. Annuity income rates are at an all-time high.
Annuity Owners
This is one of the best times in modern history to get an annuity. Many people are adding on additional annuities as well as refinancing their old ones.
Guaranteed Income—For Life
Our clients at IQ Wealth® Management are now locking in guaranteed income of 5 to 18% for life depending on age and deferral period. That is no exaggeration and can be proven in black and white. This could be the beginning of a retirement plan filled with extra vacations, more golf, more fun times with the grandkids, or even just the security of more cash on hand and money in the bank every year from now on, no matter what.
Important
Income rates are dependent on age and deferral period. This annuity income is guaranteed for life, protected from market loss, and doesn't disinherit your heirs.
The First Steps
Request a call or meeting using the form on this page.
Compare Annuities
Accredited Investment Fiduciary (AIF®), Steve Jurich with IQ Wealth® Management in Scottsdale helps his clients compare up to 1,200 annuities with no sales pressure.
Compare Annuities
Review your annuity options with an Accredited Investment Fiduciary® and Certified Annuity Specialist®.
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Next Steps
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