Income-focused annuity
For people who want to explore predictable income features and a long-term retirement paycheck.
Explore income planningRetirement income, on your terms
Make your retirement income less guesswork.
Explore fixed annuity strategies designed to turn a portion of your retirement savings into a more dependable income conversation.
Protected-income strategies
401(k) & IRA rollover guidance
Licensed broker support
Independent planning, informed choices, no high-pressure pitch.
A service of LSRT Insurance Services
Talk with Jesse
A practical starting point
Put a few planning pieces on the table.
These inputs organize the first conversation. The range below is a hypothetical planning view—not a quote, recommendation, or projection of any insurance contract.
Why this mattersCarrier benefits, charges, crediting methods, and income options differ by product and state. A licensed agent should review your complete picture before any decision.
Illustrative income planner
What is your starting picture?
What matters most?
Illustrative monthly planning range
Based on a $250,000 starting amount and a simple 4.4%–5.7% illustrative annual income range at age 65.
Illustrative only. Actual contract income depends on age, state, carrier, premium, rider selection, annuitization, product terms, and other factors. Guarantees, when issued, are backed solely by the claims-paying ability of the issuing insurer.
Turn this into a real planExplore before you decide
Three routes. Different jobs.
Annuities are not one product. The right conversation starts with the job you need the money to do, not a generic promise or an online “best rate.”
MYGA
A fixed annuity with a stated interest-crediting period. Best evaluated alongside liquidity needs and surrender terms.
Compare MYGA questionsFixed indexed annuity
For those evaluating interest potential linked to an index, with contract limits and a floor—not direct market ownership.
Learn about FIA optionsFixed, MYGA, and fixed indexed annuities are insurance products—not bank deposits. They are not FDIC insured, not bank guaranteed, and may involve surrender charges or market-value adjustments where applicable.
What happens next
From “I should look into this” to a real comparison.
- 01
Share the picture
Tell us what you want your retirement money to do. No documents are needed for the first conversation.
- 02
Review your paths
We discuss appropriate product categories, tradeoffs, timing, and whether an annuity even makes sense for your goal.
- 03
Compare real illustrations
If appropriate, a licensed agent can review carrier-specific illustrations, state availability, and application requirements.
Straight answers, first
Questions that deserve a clear answer.
Can I buy an annuity entirely online?
You can begin research and request a plan online. Completing an annuity purchase normally involves a licensed agent, carrier application, state-specific documents, and—in many cases—suitability review. That is a protection, not a hurdle.
Are annuities FDIC insured?
No. Annuities are insurance contracts, not FDIC-insured bank deposits. Contract guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
Can I move a 401(k) or IRA into an annuity?
Possibly. A direct rollover or trustee-to-trustee transfer may be available depending on the account and product. Taxes, timing, employer-plan rules, and surrender schedules must be evaluated before a move.
What is the catch with a “guaranteed” income benefit?
Guarantees have product terms. Income riders can carry charges; withdrawals may be limited; surrender charges can apply; and payment options vary. A licensed agent should walk you through the actual contract—not just a headline.
Build a personalized starting point
Let’s make your next retirement move more intentional.
Tell us where you are today. Jesse or a licensed member of the LSRT team will reach out to discuss your options—not pressure you into a product.
Jesse RamirezLicensed Insurance Broker