Turn retirement savings into guaranteed income you can never outlive. We design fixed and indexed annuity strategies for Connecticut residents — comparing 20+ highly-rated carriers, completely free.
What Is an Annuity?
An annuity is a contract between you and an insurance company: you make a payment (or series of payments), and the insurer guarantees income — either immediately or at a future date. For Connecticut residents, annuities solve a real problem: maintaining your lifestyle in one of America’s most expensive states through potentially 30+ years of retirement, when the average Social Security benefit replaces only about 40% of pre-retirement income.
Your Options
Types of Annuities We Compare
Fixed Annuities
A guaranteed interest rate for a set period — like a CD, but tax-deferred and typically higher-yielding. Principal is fully protected.
Indexed Annuities
Growth linked to a market index (like the S&P 500) with a floor of zero — you capture upside while your principal is protected from market losses.
Income Annuities
Convert savings into a guaranteed paycheck for life — starting now or at a date you choose. The closest thing to a personal pension.
Fixed vs. Indexed at a Glance
Buyer Beware
Annuity Mistakes to Avoid
Never invest more than you can afford to leave untouched for the surrender period. Keep 6–12 months of expenses liquid outside the annuity — a balanced mix of annuities and liquid investments is typically best.
Surrender periods of 5–10 years mean penalties for early withdrawals beyond the free-withdrawal amount. Understand the schedule before you buy; choose shorter terms if liquidity matters to you.
Rates vary dramatically. On a $200,000 fixed annuity, the difference between carriers can be $6,000–$12,000 over five years. A captive agent can only show you one company — we compare 20+.
Our Suitability-First Promise
- We recommend annuities only when they fit your timeline, liquidity needs, and goals
- Full disclosure of surrender schedules, caps, and fees before you commit
- Side-by-side comparison of 20+ highly-rated carriers
- Coordination with your Social Security and retirement accounts
- Completely free — carriers pay us, you never do