The team at AnnuitiesHQ.com has been providing unbiased advice on annuities for years. Annuities HQ also has an extensive network of trusted financial advisors. We do not sell annuities ourselves, rather we help analyze your current situation and needs, and then connect you with a financial advisor that can offer the best annuity package for you! We are here to help answer your questions and provide free quotes without any commitment from you! A great way to explore annuities without any hassle or risk. You deserve the peace of mind that comes with resolving your retirement planning, so simply fill in the information above or call 1-281-506-2977 for your free consultation today.

We connect you with one of our Trusted Annuity Advisors who will work with you to review your annuity options. Our Trusted Advisor will give you clear answers to your questions and provide you with the annuities that best match your retirement objectives. Our network of expert annuity advisors operate under a strict code of ethics, come highly recommended and have strong references from clients, peers and other related industry professionals. They will work with you to ensure that to make optimal retirement planning decisions.

An annuity is an investment vehicle that provides safe, tax-deferred growth of your retirement nest egg. The highlights of annuities are a guaranteed monthly income at retirement and lower risk compared to other investments. There are many types of annuities to fit your needs including variable, fixed, deferred, immediate, and hybrid. To find out which annuity type is the best for your retirement, we recommend you consult with one of our Trusted Annuity Advisors.

Annuities are now considered a normal part of foundational conservative retirement planning. For many years, annuities were sidelined by the investment industry which was actively promoting diversification through a multitude of risk-oriented securities investments. Since current conditions suggest a return of a volatile and potentially down or flat economy possibly for a decade or more, the advantages of annuities in a balanced portfolio are all too obvious as investors go forward.

Annuity options are plentiful and include an immediate annuity, deferred annuity, fixed annuity, and variable annuity. The immediate annuity gives you the ability to receive income immediately for a set period of time or for the remainder of your life. This option proves especially valuable for individuals who are nearing retirement and find the need to supplement their income. The deferred annuity is optimal for fixed income after a certain period of time. This allows your invested annuity capital to grow tax-deferred until you convert it into an income stream. The fixed annuity pays you a fixed income monthly from the time that you decide to begin getting money. The tax-deferred interest rate that you receive monthly is pre-determined and will not change. The variable annuity invests capital in stocks and bonds that are subject to change each month due to market fluctuations. It grows on a tax-deferred basis, and the annuitant can decide to receive the returns immediately or over a long-term basis. The majority of variable annuities also have a fixed account with an interest rate selection for allocating current assets.

Annuities are the number one investment of choice for securing your retirement during turbulent financial times. While there are numerous investment options, they do not fully answer all of the fundamental retirement questions that annuities can.

​Learn how an annuity can help you:

● no matter how long you live you will never run out of money,

● no matter how bad the economy is you will never run out of money,

● if you pre-decease your spouse he or she will never run out of money.

Set up a self-directed pension that you control and own. Securely grow your nest egg to keep up with or beat inflation. Get safety of principal and out-do the banks by earning higher interest. Enjoy capital gains during an up stock market and suffer no loss in a down stock market. Keep your money growing without paying tax as it grows and repositions your IRA, 401K, 403B, 457,etc. for safety, growth, and income.

With fixed annuities, state regulation forces insurance companies to follow statutory accounting unlike GAAP accounting methods utilized by publicly owned corporations. Insurance institutions are required to demonstrate to state regulatory authorities that dollar for dollar a client’s premium is safely on deposit in secure financial vehicles such as investment grade bonds or government bonds. They are also required to have reserves known as additional surplus reserves. Each insurance company also must enroll in a mandated state insurance guarantee association (SIGA) whereby insured clients have minimum guarantees of $100,000 on annuity funds and $300,000 on life insurance death benefits. Beyond this, third-party rating agencies examine these insurance institutions for safety and security including A.M. Best, Moody’s, Standard and Poor’s, Fitch and Weiss. These rating agencies produce detailed reports consisting of hundreds of pages of analysis from in-depth audits. They also summarize the insurers near term and long term future rating outlook typically as positive, negative or stable.