single premium immediate annuity
​The Insurance Product Built To Guarantee lifetime Income PAYMENTS

​WHY A SPIA?
The risk of outliving one's retirement nest egg is a major concern for seniors and soon-to-be retirees. The insurance solution to this problem is the Single Premium Immediate Annuity (SPIA). The SPIA can ensure a lifetime income for the rest of your life. For single or joint lives, a premium return or refund guarantee is available. We show examples from a variety of companies based on pricing/income and carrier strength. Call (800) 373-9697 for a quote. The biggest income payments are frequently discovered by us.

  • Longevity Protection
  • Lifetime Income Options
  • Joint Lifetime Income Options
  • Return Of Premium Guarantees
  • Cost Of Living Increases
  • 5 - 50 Years Of Payments
  • Quality Insurance Carriers
  • Monthly, Quarterly, Semi-Annual, Annual Payment Modes 
  • No Annual/Up Front Fees
  • Tax Exclusion Ratio
  • ​Impaired Risk Medically Underwritten
  • Turn a portion of your savings into a retirement income.
  • Income is guaranteed with no fluctuation and no market risk.
  • Get payouts for the rest of your life or for a specific number of years.
  • Receive monthly, quarterly, semi-annual or annual payouts deposited directly into your account.
  • Take the hassle out of required distributions from IRAs.

​Risk Averse? See us first! TM

We've been offering immediate annuities as a secure income choice for agencies, organizations, and individuals since 1996. Those who have discovered us frequently discover a larger income as well as a wealth of experience and knowledge. Wholesale, fraternal, no-load, and retail immediate annuity rates are all available to us.​

Single Life Immediate Annuity
A Single Life Immediate Annuity (SPIA) offers a regular, guaranteed income for life. In retirement planning, it is the only product that ensures you will never outlive your retirement income.

Key Benefits:

  • Longevity protection - Guaranteed income that cannot be outlived
  • Stable level income - Guaranteed payment will never decrease
  • Inflation protection - Single life annuity has the option to guarantee increases annually
  • Direct deposit - Payment can be sent directly to a bank account


Joint Life Immediate Annuity

  • This option provides a guaranteed income for as long as either joint annuitant is alive. When either annuitant dies, payments continue to the survivor.

Key Benefits:

  • Longevity protection for two lives - Guaranteed income that cannot be outlived
  • Direct deposit - Payment can be sent directly to a bank account
  • Inflation protection
  • A joint life annuity has an option that guarantees increases annually


Period Certain Only
This option provides a guaranteed income for a specified time period of 5 to 50 years. If death occurs prior to the end of the chosen period, the beneficiary will continue to receive payments for the remainder of the specified period.
Key Benefits:

  • Versatility - Gives the ability to receive income for a very specific period
  • Automatic payments - Pay bills, life insurance, child support and never be late or miss a payment
  • Direct deposit - Payment can be sent directly to a bank account
  • Great for laddering


Deferred Start DIA
A Deferred Income Annuity (DIA) can be purchased with a guaranteed payment stream that starts as far out as perhaps 40 years. This can be a valuable planning tool where a 60-year-old client may want $1,000 per month for life starting at his 75th birthday. The DIA can guarantee both the premium and benefit.
Key Benefits:

  • Longevity income guaranteed for the future
  • QLAC approve


Split or Combo Annuity
A Split Annuity combines a Multi-Year Guarantee Annuity (MYGA) with a matching duration Single Premium Immediate Annuity (SPIA). The MYGA will grow back to the initial premium while the PSIA will give an income stream that may have offer a tax exclusion ratio.


For more information see my video about the Split Annuity below.

SPIA Features

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Not all products are available in all states. We do not offer tax or legal advice. Fixed annuities are insurance products.
Rates shown are subject to change at any time.  For firm confirmation of current rates, a written proposal should be requested by calling call (800) 373-9697.
Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Licensed in most states. Managing general agency - CA Insurance License #0B67385