Best Immediate Annuities

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Immediate Annuities or as they are often called, single premium immediate annuities (SPIA’s) require individuals to give up their cash in exchange for an income stream.

SPIA’s are typically compared by the income stream they produce. The income is based upon the individual’s life expectancy and an associated level of interest that will be credited during that time.

SPIA’s can come with an assortment of **guarantees and payout configurations. Including; lifetime income, life income with a term or period certain, lifetime income with an installment refund, lifetime income with lump sum refund or even for a certain time period payout.

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Top Three Immediate Annuities/Companies

Option One

• High Payouts for males in most categories.
• Issue Ages: Up to 90 for both qualified and non-qualified accounts
• Certain Options for 5-25 years.

We can illustrate this annuity based on your unique circumstances and the amount you are considering for this allocation.

Option Two

• High Payouts for females in most categories.
• Issue Age up to 85 for both qualified and non-qualified accounts
• Special Feature: Option to have a cost of living adjustment. COLA feature would start with a lower initial payout, but would have predictable increases over the life of the annuity.
• Certain Options for 5-30 years.

We can illustrate this annuity based on your unique circumstances and the amount you are considering for this allocation.

Option Three

• High Payouts for qualified account clients
• Issue Ages: 50-85 for qualified accounts
• Certain Options for 5-25 years.

We can illustrate this annuity based on your unique circumstances and the amount you are considering for this allocation.

Generic Examples of Monthly Income Estimates for:

60 Year Old Male, $100,000
Monthly Income Amount

60 Year Old Female, $100,000
Monthly Income Amount

Joint Payout both Age 60, $100,000
Monthly Income Amount