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Fixed Annuities

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Fixed Annuities

Fixed annuities can play an important role in your retirement planning. While a pension and Social Security may provide some retirement income, it may not be sufficient for the kind of retirement you want to have. Fixed annuities can help you save for retirement and provide you with additional income over the years ahead.

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What Is a Fixed Annuity?

Essentially, a fixed annuity is a CD-type investment issued by an insurance company. You pay into the annuity, either in one lump sum or in payments over time. In exchange, you get a guarantee of receiving payments in the future, either for a specified period or for the duration of your life.

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How Can Fixed Annuities Help with Retirement Planning? Protection

Annuities are designed to help you save for your retirement and provide you with income when you retire. They offer several benefits, :

  • Tax-deferred growth potential
  • Protection from market downturns, which is helpful in keeping up with rising medical costs and inflation
  • Flexible income options
  • Joint-life payout for both you and your spouse during retirement
  • Death benefit for your beneficiaries (or a cause or charity you believe in)

Fixed annuities can be immediate or deferred. Deferred fixed annuities accumulate interest at a regular rate, while immediate fixed annuities make fixed payments during your retirement, with amounts determined by your age and the value of the annuity. Fees for fixed annuities vary, depending on type and amount, and the costs involved may be difficult for a person to understand without assistance from a professional. If you are considering a fixed annuity to improve the quality of your retirement, our agent at HIS Financial Life in Arlington, Texas, can help find the right insurance product for you and your spouse.

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Clients Testimonials

I give him more than 5 stars.

“I’m very happy to have Cesar Sanchez as my life insurance agent, he is prompt, knowledgeable, efficient, and friendly, always finds me the best life terms. Cesar is a great insurance agent. He put my interest ahead of his own. I give him more than 5 stars.”

Laura C

I absolutely recommend him because he is very professional...

“When Cesar contacted me to offer his retirement services I was a little hesitant at first. I decided to hear him our and in all honesty he is a very good financial advisor. I mentioned him to my husband and he was very pleased to hear about his services. Cesar helped my husband a lot including taking him to obtain important forms that were required. He explained how to get the best benefits for our retirements. I absolutely recommend him because he is very professional and goes above and beyond to help us. Thank you very muc Mr. Sanchez.”

Maricela a Francisco Arrgeuin

He is super helpful and listens in what you all need.

“Cesar Sanchez is very good at what he does. He is super helpful and listens in what you all need. If you are interested in benefits or if you need help financially just contact him and he will help you find benefits and programs that fit your needs.”

Cynthia S

He always makes promises that he has kept...

“I feel that this agency represented themselves with honesty and integrity and had my best interest in mind .Cesar Sanchez walks the walk and talks the talk .He is honest and has my respect and my business .He always makes promises that he has kept and has been very responsive to me and my wife .”

Eli R