Turn part of your savings into a paycheck that arrives every month for life, guaranteed by the carrier.
Illustrative sample only. Actual rates, payouts and guarantees are set by the issuing insurance carrier and vary by product, age and state.
An annuity is a contract with an insurance company: you contribute a lump sum or a series of payments, and in return the carrier promises future income, often guaranteed for life. Fixed and fixed-indexed annuities protect your principal from market losses while letting you convert savings into a predictable retirement paycheck.
Pensions are disappearing. An annuity can rebuild that guaranteed floor of income underneath your retirement.
Receive a set amount every month for life, no matter how long you live or what the market does.
Fixed and indexed annuities shield your contributions from market losses, so a downturn cannot shrink your base.
Your money compounds without yearly taxes on the gains, so more of it stays invested and working for you.
Joint-life options can keep income flowing to your spouse after you are gone, protecting the household budget.
Add benefits for inflation, long-term care or a death benefit so the contract fits your specific plan.
Guarantees rest on the financial strength of the issuing insurer, so we help you choose highly rated carriers.
Each balances growth, protection and access differently. A specialist helps you match one to your goals.
A guaranteed, fixed interest rate for a set term. The simplest way to protect principal and earn steady growth.
Interest is linked to a market index with a zero-percent floor, so you share in gains but never lose to a down market.
Convert a lump sum into guaranteed monthly income that can begin right away and continue for life.
No obligation, and no jargon. Just a clear picture of your guaranteed income.
We review your savings, timeline and how much guaranteed income you want the plan to produce.
A specialist compares fixed and indexed options from A-rated carriers and shows the real numbers side by side.
Choose the contract that fits, and turn on a paycheck designed to last as long as you do.
Sample testimonials shown for template design purposes.
"I finally sleep at night. My income arrives every month whether the market is up or down. That peace of mind was worth everything."
"They explained the tradeoffs honestly, including the surrender period. No hype. I understood exactly what I was signing."
"We set up joint income so my wife is protected too. It replaced the pension I always wished I had."
An annuity is a contract with an insurance company. You pay a lump sum or a series of payments, and in return the carrier provides future income, often guaranteed for life. Fixed and indexed annuities protect your principal while your money grows tax-deferred until you take income.
No. Annuities are insurance products, not bank products, so they are not FDIC insured. Guarantees are backed by the financial strength of the issuing insurance carrier and, within limits, by your state guaranty association. That is why choosing a highly rated carrier matters.
Fixed and fixed-indexed annuities protect your principal from market losses. However, withdrawing more than the allowed amount during the surrender charge period can reduce your value, and variable annuities do carry market risk. We explain every tradeoff before you decide.
Most annuities have a surrender period, often 5 to 10 years, during which withdrawing more than a set free amount triggers a fee. Annuities are designed for long-term income, so you should only commit funds you will not need for near-term expenses.
It depends on your premium, your age, the product and whether income is single or joint life. A specialist can run a personalized illustration from A-rated carriers so you see real, current numbers.
Get a personalized, no-obligation income estimate from a licensed specialist. It starts with a simple conversation.
In a real launch, a licensed Keystone specialist would email your personalized, no-obligation income illustration within one business day. This preview does not store or send any information.