Annuities
Guaranteed income for the life you've earned.
An annuity turns your savings into a reliable paycheck in retirement — so you can stop worrying about outliving your money and start enjoying the years ahead.
Tax-Deferred
Growth on your savings
Guaranteed
Income you can't outlive
30+
Annuity products available
Types of Annuities
The right annuity depends on your goals.
Fixed Annuities
A guaranteed interest rate for a set period. Predictable, stable, and protected from market volatility. Ideal for conservative savers who want certainty.
Best for: Conservative savers, near-retirees, guaranteed growth
Indexed Annuities
Growth linked to a market index (like the S&P 500) with downside protection. You participate in market gains without risking your principal.
Best for: Moderate risk tolerance, growth with protection
Variable Annuities
Investment-based annuities with the potential for higher returns. Your account value fluctuates with the market, offering growth potential with more risk.
Best for: Growth-oriented investors, longer time horizons
Income Annuities
Convert a lump sum into a guaranteed income stream — immediately or at a future date. The simplest way to ensure you never outlive your savings.
Best for: Retirees, guaranteed lifetime income, pension replacement
Why families choose annuities
You can't outlive it
Lifetime income options guarantee payments for as long as you live.
Tax-deferred growth
Your money grows without being taxed until you withdraw it.
Principal protection
Fixed and indexed annuities protect your original investment from market losses.
Predictable income
Know exactly how much you'll receive each month — no guesswork.
Legacy options
Many annuities include death benefits to pass remaining value to your heirs.
Our Approach
We find the annuity that actually fits.
Annuities can be complex — and some advisors push products that benefit them more than you. At JL Financial, we're independent. We compare options across multiple carriers and explain every detail in plain language before you decide.
Our goal is to match you with an annuity that fits your retirement timeline, income needs, and risk tolerance — nothing more, nothing less.
Common Questions
Annuities, demystified.
What exactly is an annuity?
An annuity is a contract with an insurance company. You make a lump-sum payment (or series of payments), and in return the insurer provides regular disbursements — either immediately or at a future date. Think of it as a personal pension.
Are annuities safe?
Fixed and indexed annuities protect your principal from market losses. Variable annuities carry more risk since they're tied to investment performance. We'll help you understand the risk profile of each option before you decide.
Can I access my money if I need it?
Most annuities have a surrender period (typically 5–10 years) during which early withdrawals may incur fees. However, most contracts allow penalty-free withdrawals of up to 10% per year. We'll make sure you understand the liquidity terms.
How are annuities taxed?
Annuity growth is tax-deferred — you don't pay taxes until you withdraw. When you do, withdrawals are taxed as ordinary income. If funded with pre-tax dollars (like an IRA), the full amount is taxable. We recommend consulting a tax advisor for your specific situation.