Safe, Predictable Retirement Income — Backed by Top A-Rated Carriers
✓ Local agents
✓ national a-rated carriers
Annuities are growing in popularity for long-term wealth building. Planning for retirement doesn’t have to be stressful. That’s where are expert agents are there to help. If you’re looking for a safe, predictable way to grow your money and receive guaranteed income for life, annuities might be exactly what you need.
At Sacramento Life Insurance, we help local residents choose the right annuity plan to match their retirement goals. We offer personalized service and illustrations. Not to mention, we also work with all the top A-rated annuity providers. This helps us offer a wide variety of plans with low or no fees, strong growth potential, and guaranteed income options.
Let’s walk through what annuities are, how they work, and why they’re becoming such a popular retirement strategy — especially in these recent uncertain markets.
What Is an Annuity?
An annuity is a financial product issued by a life insurance company that provides you with a stream of income, (often guaranteed), either for a set period of time or for the rest of your life.
In simple terms:
- You pay into the annuity (either a lump sum or in premium payments)
- Your money grows — sometimes with interest or linked to a market index
- You receive income payouts in the future, usually during retirement
Key Benefits of Annuities
✅ Guaranteed income
✅ Protected principal (depending on type)
✅ Tax-deferred growth
✅ Lifetime income options
✅ No contribution limits like 401(k)s or IRAs
Exciting Event Transformations
Types of Annuities We Offer
To Help You Achieve Your Financial Objectives
Not all annuities are created equal! Here’s a breakdown of the most popular types we help clients with in the Sacramento area and beyond:
🟩 Fixed Annuities
- Guaranteed interest rate for a set period
- Great for conservative savers
- No market risk
Example: You put in $100,000 and get 4–5% guaranteed for 5 years. After that, you can start income payouts or continue growing it.
🟨 Fixed Indexed Annuities (FIA)
- Growth tied to a stock market index (like the S&P 500)
- No risk of loss when the market goes down
- Growth potential when the market rises
- Often includes lifetime income riders
Example: You earn interest based on how well the market does- but with a floor of 0%, so you don’t lose money in the bad market years.
🟥 Immediate Annuities
- Fully fund them immediately
- Start paying you income right away (usually within 30 days)
- Great for retirees who need income now
- Other retirement products, (Like a 401K) can be rolled into them
- Can either be structured for life or a set number of years
Example: You put in a lump sum at retirement, and it turns into a guaranteed monthly paycheck. You can choose to take payments for a specified number of years, (higher monthly payments) or you can choose to take payments for the rest of your life.
Why People in Sacramento Choose Annuities
Here’s why annuities are a smart choice for many retirees and pre-retirees:
- You don’t have to worry about running out of money
- They protect against stock market crashes
- They supplement Social Security or pension income
- They give you peace of mind in retirement
Sacramento residents especially value annuities because of the rising cost of living, unpredictable markets, and longer life expectancies. Similar to indexed universal life insurance policies, they have some great growth potential and come in clutch in your retirement years.
See an illustration and get a free quote!
✓ local agents
✓ national a-rated carriers
How Do Annuities Compare to Other Retirement Tools?
| Feature | 401(k)/IRA | CDs / Bonds | Annuities |
| Tax-deferred Growth | ✅ Yes | ❌ No | ✅ Yes |
| Guaranteed Lifetime Income | ❌ No | ❌ No | ✅ Yes (with rider) |
| Market Risk | ✅ Yes | ❌ No | ❌ No (Fixed / FIA) |
| Contribution Limits | ✅ Yes (low) | ❌ No | ✅ No Limits |
| Probate Avoidance | ❌ No | ❌ No | ✅ Yes |
How the Process Works with Us
Getting started is easy. Here’s what you can expect when you reach out:
- Free Consultation
We start with a no-pressure conversation to understand your goals, risk tolerance, and retirement timeline. - We Shop the Carriers
We work with all the top annuity companies (like Allianz, Athene, American Equity, F&G, etc.) and compare rates and features. - Custom Recommendations
We’ll walk you through the best-fit options: fixed annuities, indexed annuities, immediate income plans and explain them in plain English. - Simple Application Process
Most annuities require very little paperwork. No medical exam. Approval is quick and hassle-free.
Frequently Asked Questions
Simply reach out to our team, provide us with your financial needs, and we will swiftly develop a plan that will solidify your legacy.
❓ Can I access my money?
Yes — but there are rules. Most annuities allow you to withdraw a percentage (usually 10%) per year penalty-free. Some plans even offer full access for emergencies like nursing home care or terminal illness.
❓ Are annuities taxed?
Annuities grow tax-deferred, meaning you don’t pay taxes on the interest until you start withdrawing it. When you do, only the interest portion is taxed as income.
❓ Can I leave it to my family?
Absolutely. Many annuities come with death benefits that pass the remaining value to your heirs — outside of probate.
❓ What is the process of starting an annuity?
First, we schedule a free consultation and quote. This will allow your agent to search for the best policy for your particular situation.
❓ Are annuities better than an IUL?
They both have their purpose. One is not better than the other, they simply are used for different objectives. Our licensed agents will be happy to explain the difference and help you determine which one is best for your situation.
Want to learn more about Annuities?
Our agents are ready to help! Let’s have a conversation.
Why Work With Sacramento Life Insurance?
💼 We’re independent.
We don’t work for just one company — we represent you. That means better options, better rates, and unbiased advice.
🏡 We’re local.
Our agents live and work right here in Sacramento. You can meet in person, talk over the phone, or hop on Zoom meeting for your quote and application.
⚡ We make it simple.
No jargon. No pressure. Just friendly professionals who explain things clearly and help you make smart financial decisions.
💬 We’re available.
You’ll never be just a number. Our agents take time to answer your questions and check in as your goals change. We schedule regular follow-ups to check in on your plan and your needs.
Let’s See If Annuities Are Right for You
Whether you’re five years from retirement or already there, an annuity could help you lock in financial peace of mind for the long haul. We’ll help you figure out the best path forward and find the right annuity for your needs.
Get started with a free consultation today.
Serving Sacramento, Elk Grove, Folsom, Roseville, Citrus Heights, Rancho Cordova, and all other surrounding areas.
Annuities Made Easy
✓ Local Agents
✓ national a-rated carriers