Protect your retirement savings with a fixed annuity that locks in a guaranteed interest rate, shields your principal from market risk, and delivers predictable income for life.
You have spent decades building your savings. The last thing you need is to watch them shrink because of a market downturn you never saw coming. A fixed annuity gives your money the one thing the stock market never can: a guarantee.
With a guaranteed interest rate locked in from day one, your savings grow at a predictable pace during the accumulation phase, sheltered from market volatility and taxed only when you withdraw. Whether you are rolling over an IRA, moving funds from a maturing CD, or repositioning a 401(k), a fixed annuity puts your retirement savings to work without exposing them to investment risk.
The sooner you lock in your rate, the better your return will be, get your free consultation online or call 951-470-3771 today.
What Does a Fixed Annuity Mean?
A fixed annuity means your money is protected and growing at a rate the insurance company has agreed to in writing. Unlike mutual funds or stock-based retirement plans, there are no surprises. The guaranteed interest rate does not change based on what the market does, and your principal investment is never at risk. You know exactly what you are putting in and exactly what you will get back. For anyone who wants their retirement savings working for them without the stress of market fluctuations, a fixed annuity delivers that certainty.
How Does a Fixed Annuity Work?
When you open a fixed annuity contract, your money enters the accumulation phase. During this period, your savings grow tax deferred at the agreed guaranteed rate, meaning you owe taxes only when you withdraw funds, not as the money grows.
Most fixed annuities allow you to withdraw a portion of your funds each year without penalty, typically up to 10 percent. If you withdraw funds beyond that during the surrender period, surrender charges may apply. Once you are ready to access your income, the annuity moves into the payout phase, where you begin receiving periodic payments structured around your chosen payout options.
How Quickly Can a Fixed Annuity Start Generating Income?
The timeline depends on whether you choose a deferred annuity or an immediate annuity. With a deferred fixed annuity, your money grows during the accumulation phase and income begins at a future date you select, often at retirement.
With an immediate annuity, you make a single lump sum deposit and begin receiving income within 30 days. Most people who are approaching retirement choose a deferred fixed annuity to maximise their tax deferred growth before switching to the payout phase. Your licensed advisor will walk you through the option that best fits your retirement timeline.
A fixed annuity is an insurance contract between you and a life insurance company. You hand over a lump sum or a series of payments, and in return the issuing insurance company guarantees your principal, credits your account with a fixed interest rate, and provides a reliable income stream when you are ready to begin receiving income. It is one of the most straightforward financial products available for retirement planning, and for good reason: it does exactly what it promises.
Through Final Expense Company, you have access to a range of fixed and indexed annuity products built around your retirement goals and backed by an A+ AM Best rated insurance company with over 175 years of financial strength.
Whether you are looking for a simple guaranteed rate, index-linked growth with principal protection, or a flexible way to contribute over time, there is an annuity product designed for your situation.
A Multi-Year Guaranteed Annuity is the most straightforward fixed annuity available. You make a single deposit, and the insurance company locks in a guaranteed interest rate for a specified period, typically three, five, or seven years. Your principal is fully protected, earnings grow tax deferred, and you know exactly what rate you'll earn. MYGAs consistently deliver stronger tax deferred growth than CDs with no annual tax on earnings.
A Single Premium Indexed Annuity accepts one lump sum payment and grows savings based on market index performance like the S&P 500, without exposing your principal to investment risk. When the index rises, you earn interest up to a capped rate. When it falls, you earn zero but never lose your investment. This offers more growth potential than fixed annuities without variable annuity downside risk.
A Flexible Premium Indexed Annuity offers the same index-linked growth and principal protection as single premium products but allows multiple contributions over time. Payments can come from salary reductions, rollovers, transfers, or direct deposits, making it accessible for people building retirement savings rather than deploying a lump sum. This is the most accessible entry point with low minimum thresholds for starting guaranteed retirement income.
Not sure which annuity is right for your retirement goals? Our licensed advisors will help you find the right fit, get your free consultation online or call 951-470-3771.
Not every fixed annuity fits every situation. The right product depends on how much you have to protect, when you need income to begin, how you want your savings to grow, and whether you are deploying a lump sum or contributing over time. The four questions below will help you identify where you sit, and your licensed advisor will take it from there.
Fixed annuities offer a guaranteed minimum interest rate for the full term: predictable, simple, and completely shielded from market risk. Indexed annuities tie your growth to a market index but protect your principal, giving you greater growth potential while still avoiding direct investment risk.
Fixed annuities are best for people who want certainty above everything else. Indexed annuities suit those who are comfortable with some variability in their returns in exchange for higher upside. Neither product exposes you to the losses associated with variable annuities. A licensed advisor can help you decide which structure fits your retirement goals and timeline.
Not sure which annuity is right for your retirement goals? Our licensed advisors will help you find the right fit, get your free consultation online or call 951-470-3771.
If you pass away before depleting your annuity, a death benefit is paid directly to your named beneficiary, bypassing probate and transferring immediately.
Unlike IRAs and 401(k) plans, most fixed annuities have no contribution limits set by the Internal Revenue Service, making them an ideal vehicle for additional tax deferred savings.
A fixed annuity fills the income gap between Social Security and your actual living expenses, delivering predictable income every month without depending on market performance.
With a lifetime income rider, your fixed annuity delivers a guaranteed stream of income for as long as you live, no matter how long that turns out to be.
Your initial investment is fully protected by the claims paying ability of the issuing insurance company, regardless of what happens in the market.
Your savings grow tax deferred during the accumulation phase, meaning you do not pay taxes on investment earnings until you begin receiving income or withdraw funds.
A fixed annuity is one of the few financial products that can deliver on multiple fronts at the same time: protecting what you have, growing it predictably, and converting it into income you cannot outlive. Here is what fixed annuity owners gain when they get started.
Securing your retirement income takes as little as 2 minutes with no obligation, get your free consultation online or call 951-470-3771 now.
✓ Guaranteed for Life
Dependent on Market Performance
✓ Principal 100% Protected
Exposed to Market Losses
✓ Tax-Deferred Guaranteed Rate
Taxed Annually, Rate Not Guaranteed
✓ Protected and Growing
Subject to Market Risk
✓ Covered by Annuity Income
Gap Goes Unfilled
✓ Paid to Named Beneficiary
Nothing Passed to Loved Ones
✓ Impossible With Lifetime Income Rider
Real and Growing Risk
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Fixed Annuities in Your 40s and 50s
In your 40s and 50s, time is your most valuable asset. Locking in a fixed annuity now means more years of tax deferred growth, a lower rate locked in at a younger age on some products, and a longer accumulation phase before income begins. People in this age range often use a flexible premium indexed annuity to build their annuity account gradually alongside existing retirement plans, contributing regularly and letting compounded growth do the work. Starting early also means more flexibility in how you structure your payout phase when retirement arrives.
Fixed Annuities in Your 60s and 70s
Your 60s and 70s are when a fixed annuity typically makes the most immediate sense. You are either approaching retirement or already in it, your risk tolerance has dropped, and the priority has shifted from accumulation to income protection. A MYGA or single premium indexed annuity lets you move savings out of market-dependent accounts and into a guaranteed, tax deferred structure before you need to begin receiving income. This is also the most common window for IRA and 401(k) rollovers into annuity contracts, preserving tax deferred status while removing exposure to market risk at the most vulnerable point in your financial life.
Fixed Annuities in Your 80s and Beyond
In your 80s and beyond, the priority is converting savings into reliable, guaranteed income that does not require active management. An immediate annuity allows you to deposit a lump sum and begin receiving periodic payments within 30 days, a straightforward way to turn existing savings into a lifetime income stream. Fixed annuities at this stage also offer peace of mind for a surviving spouse, with joint payout options that ensure income continues regardless of which partner passes first. The claims paying ability of our A+ AM Best rated insurance partner provides the financial strength to back those guarantees for as long as you need them.
The honest answer is that it depends on your goals, your timeline, and what you are trying to protect. A fixed annuity is not designed to make you rich: it is designed to make sure you do not run out of money. For anyone who has retirement savings they cannot afford to lose, wants a predictable income they can count on, and is looking for a financial product that removes market risk from the equation entirely, a fixed annuity is one of the strongest tools available. Here is how that plays out at different stages of life.
Thousands of Americans have already secured their retirement income with a fixed annuity through Final Expense Company, get your free consultation online or call 951-470-3771.
Speak to an advisor today and get a same-day quote on current fixed annuity rates. With rates changing regularly, locking in your quote quickly ensures you benefit from today's guaranteed interest rate.
Our advisors explain every annuity product in straightforward, jargon-free language so you understand exactly what you are signing up for before you commit to anything.
Final Expense Company provides access to annuity products available in all 50 states and Washington D.C., meaning wherever you are in the United States, you have access to the same guaranteed rates and financial strength.
The insurance company behind every annuity offered through Final Expense Company holds an A+ Superior rating from AM Best, confirming the financial strength and claims paying ability to honour every contract they issue.
Every consultation through Final Expense Company is completely free with no pressure and no obligation. You speak to a licensed advisor, get your questions answered, and decide what is right for you.
From MYGA fixed annuity contracts to single and flexible premium indexed annuities, Final Expense Company gives you access to a range of annuity products tailored to different retirement goals and savings levels.
When it comes to a financial product designed to protect your retirement savings for decades, the strength and reputation of the provider matters as much as the product itself. Final Expense Company works with an A+ AM Best rated insurance company with over 175 years of financial strength, giving you access to annuity products backed by the claims paying ability and long-term stability that retirement savings demand.
Fixed annuity rates in 2026 remain historically strong. The rate environment created by the Federal Reserve’s tightening cycle that began in 2022 has kept annuity rates well above the near-zero levels seen in 2020 and 2021, making this one of the most favourable periods in years to lock in a guaranteed interest rate on a fixed annuity contract.
Top MYGA rates from A-rated insurers are currently ranging between 5.00% and 6.30% depending on the term and premium amount, with longer terms and larger deposits typically attracting the strongest rates. Rates change frequently, sometimes week to week, so speaking to an advisor now is the best way to secure today’s rate before it moves.
Fill in the form on this page or call 951-470-3771 to speak directly with a licensed annuity advisor at no cost and with no obligation to proceed.
Your advisor will ask about your existing retirement savings, your income goals, your timeline, and how much access to your funds you need during the accumulation phase.
Your advisor will present current fixed annuity rates and indexed annuity options, walking you through each product in plain English so you can make a confident, informed decision.
Once you have chosen the right annuity product, your advisor handles the paperwork, coordinates any rollovers, and locks in your guaranteed interest rate, with everything confirmed the same day.
Securing your retirement income has never been this straightforward, speak to an advisor today and get your rate locked in, get your free consultation online or call 951-470-3771.
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Getting started is simple. Fill in the form and one of our licensed annuity advisors will reach out to walk you through your options and lock in your rate today.
A fixed annuity is an insurance contract between you and a life insurance company where you deposit a lump sum or series of payments in exchange for a guaranteed interest rate and a future income stream. Your money grows tax deferred during the accumulation phase and you begin receiving periodic payments during the payout phase, either for a set period or for life.
A fixed annuity earns a guaranteed interest rate set by the insurance company for the full term of the contract, offering complete predictability. A fixed indexed annuity ties your growth to the performance of a market index like the S&P 500, giving you more growth potential while still protecting your principal. If the index falls, you earn zero but never lose your initial investment.
For people who want guaranteed income and principal protection, fixed annuities are one of the strongest retirement savings tools available. They eliminate market risk, provide tax deferred growth, and can deliver a guaranteed stream of income for life, making them particularly well suited to anyone who cannot afford to lose their retirement savings to market volatility.
No. With a fixed annuity, your principal investment is fully protected by the claims paying ability of the issuing insurance company. The worst outcome in a standard fixed annuity is earning zero interest in a given period, which only applies to indexed products in a down market year. Your initial deposit is never at risk.
Top MYGA rates from A-rated insurers are currently ranging between 5.00% and 6.30% depending on the term length and premium amount. Rates change frequently based on the broader interest rate environment, so speaking to a licensed advisor now is the best way to lock in today’s guaranteed rate before it moves.
The earnings inside a fixed annuity grow tax deferred, meaning you do not pay taxes on investment earnings during the accumulation phase. When you begin receiving income or withdraw funds, the earnings portion is taxed as ordinary income. If you withdraw funds before age 59 and a half, the Internal Revenue Service may apply an additional 10% penalty on the taxable income portion of the withdrawal.
Yes. Rolling over an IRA or 401(k) into a fixed annuity is a common and tax-efficient strategy for protecting retirement savings. A direct rollover preserves your tax deferred status and does not trigger a taxable event, provided it is structured correctly. Your licensed advisor will coordinate the rollover process and make sure the transfer is handled in full compliance with IRS rules.
If you pass away before your annuity is fully paid out, the remaining value is paid as a death benefit to your named beneficiary. This transfer bypasses probate and is paid directly, typically within a few days of the claim being filed. Some annuity contracts also offer joint payout options that continue payments to a surviving spouse for their lifetime.
A Multi-Year Guaranteed Annuity is a type of fixed annuity that locks in a guaranteed interest rate for a specific term, commonly three, five, or seven years. It is the annuity equivalent of a CD but with tax deferred growth and typically higher rates. At the end of the term, you can withdraw, renew, or roll the funds into a new contract.
For retirement savings specifically, a fixed annuity generally outperforms a CD on two fronts: rate and tax treatment. Top MYGA rates currently run 1.5% to 2% above the best five-year CD rates, and the growth inside a fixed annuity is tax deferred rather than taxed annually as CD interest is. Over a multi-year accumulation phase, the compounded growth difference can be significant.
Through Final Expense Company, flexible premium indexed annuities are available from a low initial contribution, making it possible to start building retirement income without a large upfront deposit. MYGA and single premium indexed annuity products have higher minimum premiums. Your advisor will match you with the right product based on what you have available.
A fixed indexed annuity is a type of fixed annuity where your growth is linked to the performance of a market index such as the S&P 500, rather than a flat declared rate. Your principal is fully protected: if the index performs poorly, you earn zero rather than a negative return. If the index performs well, you earn interest up to a capped rate set by the insurance company.
The best time to buy a fixed annuity is when interest rates are strong and you have savings you will not need immediate access to for at least three to five years. For most people, the window between their mid-50s and early 70s represents the ideal period to move retirement savings into a guaranteed, tax deferred structure. The sooner you act in a high-rate environment, the longer your guaranteed interest rate works for you.
For the right person, absolutely. If you have retirement savings you cannot afford to lose, want a guaranteed income stream that does not depend on the market, and are looking for a tax deferred alternative to CDs or bond funds, a fixed annuity delivers on all three. It is not designed to maximise returns: it is designed to protect what you have built and make sure it lasts as long as you need it to.
Still have questions? Speak to a licensed annuity advisor today with no pressure and no obligation, get your free consultation online or call 951-470-3771.
