Life insurance is a powerful way to protect the people you love. Whether you want short-term coverage or lifelong protection with cash value, we help you choose a policy that supports your goals, strengthens financial security, and fits your budget.
Annuities
Annuities provide a reliable income you can’t outlive. We help you compare fixed, indexed, and variable options that protect savings, build steady cash flow, and strengthen your retirement foundation, giving you long-term stability, security, and confidence.
Guaranteed Lifetime Income
Convert a portion of your savings into steady monthly payments that last a lifetime — helping you cover retirement costs with confidence.Market-Protected Growth
Choose from annuity options that guard your principal while offering growth potential — ideal for balancing stability and opportunity.Flexible Product Types
From immediate to deferred annuities, indexed to variable funds, we help you select the type that aligns with your timeline, risk level, and legacy goals.
A Reliable Income Stream for Retirement
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Let’s make your options clear and simple. Schedule a free consultation — no cost, no pressure, just honest guidance.
Planning for retirement means preparing for a future where your income must last—often for decades. Annuities are a powerful tool that can help provide guaranteed income, protect your savings, and bring peace of mind in retirement. They’re especially valuable for individuals looking to supplement Social Security and reduce the risk of outliving their money.
With the right annuity plan, you can turn a portion of your retirement savings into predictable monthly payments for life or for a set number of years.
Common reasons people choose annuities:
- Guaranteed lifetime income
- Protection from market downturns
- Tax-deferred growth
- Legacy planning for heirs
Frequently Asked Questions
Annuities can be a powerful way to secure dependable income in retirement, but understanding how they work is key to choosing the right one. These FAQs explain the basics and how annuities can fit into your financial strategy.
An annuity is a financial product that converts your savings into a stream of regular income payments. It’s designed to provide stability and help ensure you don’t outlive your retirement funds.
There are several types — fixed, indexed, immediate, and variable annuities. Each offers different levels of risk, growth potential, and payout flexibility, depending on your goals and timeline.
Yes, when issued by reputable insurers. Fixed and indexed annuities protect your principal, while variable annuities carry more market exposure. We help you choose the right balance of safety and growth.
Annuities are often best suited for individuals approaching or already in retirement who want predictable income. They can complement Social Security and pensions by covering essential expenses for life.
Meet Your Advisor
At Freddy Fox Financial Solutions, personal guidance comes first.
I’m Julian Craig, an independent and licensed advisor, here to make Medicare, insurance, and retirement planning simple and easy to understand. My goal is to help you feel confident about your future — with clear information, honest advice, and ongoing support.
More Info on Annuities
Annuities are not one-size-fits-all. They come in a variety of forms to meet different financial goals and risk levels. Here’s an overview of the most common options:
Fixed Annuities: These offer a guaranteed interest rate and predictable payouts. They are ideal for conservative investors who prioritize stability and income security.
Indexed Annuities: These are tied to the performance of a market index (like the S&P 500), offering growth potential while protecting your principal. A good balance between growth and safety.
Variable Annuities: Variable annuities allow you to invest in sub-accounts, similar to mutual funds. Returns vary with market performance, and they often include optional income and death benefit riders.
Immediate Annuities: Perfect for those nearing retirement, immediate annuities begin paying out shortly after a lump-sum payment is made. Great for converting savings into income right away.
Deferred Annuities: Designed to accumulate value over time, with payouts starting later. A strong option if you’re still a few years away from needing income.
Choosing an annuity is a long-term decision. Here are a few important questions to consider:
- How soon will you need income?
- Do you want lifetime income or income for a set period?
- Are you comfortable with market risk?
- Is leaving money to beneficiaries a priority?
- How does the annuity fit into your overall retirement plan?
Why Work with a Professional?
Annuities can be complex, and not all are created equal. A licensed insurance professional can help you:
- Compare products from multiple insurance carriers
- Understand the fees, features, and guarantees
- Customize a strategy that aligns with your goals
- Avoid common pitfalls and high-commission products
At Freddy Fox Insurance Solutions, we believe in clear guidance and personalized planning. Our team can help you explore whether an annuity makes sense as part of your retirement income strategy.
More Ways to Plan Ahead
Explore Other Coverage Options
From healthcare and life insurance to financial planning and beyond — explore a range of coverage options designed to meet your goals. Our advisors help you compare plans and find the ones that fit your lifestyle, budget, and peace of mind.
Planning for future care is a smart financial move. Long-term care insurance helps cover in-home support, assisted living, or nursing services, protecting your freedom, reducing stress on the family, and helping preserve your long-term stability and savings.
Final Expense insurance helps protect your family from unexpected costs. It covers funeral expenses, medical bills, and remaining debts, ensuring your loved ones aren’t left with financial stress and can focus on what matters most during difficult times.
A critical illness can disrupt your life and finances in unexpected ways. This coverage pays a tax-free lump sum after a covered diagnosis, helping you manage medical bills, support recovery, and cover essential expenses with less stress and stronger financial stability.
Home Health Care coverage offers reliable access to skilled nursing, therapy, and daily living help delivered at home. It supports recovery, manages ongoing health needs, and promotes long-term independence with convenient, personalized care you can trust in.
A strong retirement plan turns savings into lasting security. Our agents build strategies for steady income, tax efficiency, and asset protection, helping you approach retirement with confidence, stability, and long-term peace of mind that supports your goals.
