Why Work With an Independent Fixed Annuity Agent?
Based in California, Integrity Now Insurance Brokers is an independent annuity agency with nearly 20 years of experience helping retirees secure guaranteed income. We compare top-rated carriers — including Nationwide, American Equity, North American, and Pacific Life — so you get unbiased guidance, not a sales pitch.
As an independent agent, we have no obligation to any single carrier. Our only objective is to find the annuity that best fits your goals — comparing dozens of products across multiple carriers to match you with the best rates, terms, and guarantees.
Your financial advisor helped you save for retirement. Our job is to turn those savings into guaranteed income you can never outlive.
Fixed Indexed Annuity Expert
Are you nearing retirement and looking to protect your savings and continue participating in the market? A fixed index annuity may be your answer.
Fixed-indexed annuities are a hot topic in finance, generating a lot of buzz and curiosity. Many people are wondering what exactly they are and how they work.
As your fixed annuity expert, we’ll explore the fascinating world of fixed index annuities, exploring their features and benefits and shed light on some common misconceptions.
A fixed index annuity guarantees lifetime income protection and the ability to participate in some of the stock market gains.
With a fixed annuity, your retirement savings are fully protected from stock market losses, ensuring your retirement income will never decrease.
Contact one of our annuities consultants to learn how to protect your retirement income, lock in today’s best fixed annuity rates, and continue to grow your investments with zero risk.
Recent Fixed Index Annuity Success Stories:
Long Beach, CA Couple Moved $660,000 from their 401K and obtained a lifetime guaranteed income of: $37,390 with the potential to earn $66,891, based on the prior 10 years of stock market performance.
Houston, TX husband, and wife Moved $1,250,000 from their IRA and obtained a lifetime guaranteed income of: $242,206.
Riverside, CA Individual Moved $450,000 from their IRA and obtained a lifetime guaranteed income of: $18,754 with the potential to earn $33,388, based on the prior 10 years of stock market performance.
Las Vegas, NV couple planning for retirement had 889,000 in a 401k and wanted to protect their income and push $200,000 of their RMD to age 85. We established two annuities. One fixed index annuity that starts paying at age 72 1/2 and a longevity annuity contract that will start paying at age 85.
Seattle, WA a widow could not afford a long-term insurance policy and was looking for an alternative option. They were concerned they would run out of money with their Traditional IRA. We established a Fixed Index Annuity that guaranteed a monthly lifetime payment of $6,500 which should use if and when she needed long-term care without worrying her IRA was become exhausted.
How To Buy An Annuity: Fixed Annuity Agents
Lifetime Guaranteed Income for as Long as You Need It
Purchasing a fixed annuity with Integrity Now Insurance Brokers is a simple process. Our dedicated team of insurance agents will guide you through each step, ensuring you have all the information you need to make a well-informed decision on your retirement plan.
Here’s a brief overview of how to buy a fixed annuity with us:
1. Consultation:
Schedule a consultation with one of our deferred annuity experts to discuss your financial goals and determine the type of fixed annuity products that best align with your needs. We will discuss fixed-rate annuities, tax-deferred annuities, and fixed-indexed annuities.
2. Research:
Our team will conduct thorough research to identify the fixed annuity options available in the market that meet your requirements. We’ll provide detailed information about each option, including interest rates, surrender charges, and payout options for the different annuity companies.
3. Comparison:
Once we have gathered all the necessary information, we will present you with a side-by-side comparison of the different fixed annuity options. This will allow you to evaluate the pros and cons of each and make an informed decision.
4. Application:
Once you’ve chosen the fixed annuity that suits your needs, we will assist you in completing the application process. Our team will ensure that all necessary paperwork is filed correctly and efficiently. We will also complete a suitability review to confirm how much of your retirement investments belong in an annuity as part of your financial planning.
5. Review and Approval:
After submitting your application, we will work closely with the annuity insurance company to expedite the review and approval process. We understand the importance of timely execution and will keep you informed.
6. Funding Your Annuity:
Once your application is approved, you will need to fund your annuity. Our team will guide you through the various payment options available, ensuring a seamless transfer of funds.
7. Monitoring and Support:
At Integrity Now Insurance Brokers, our commitment to you doesn’t end with purchasing your fixed annuity. We will continue to provide ongoing support, monitor your investment, and offer guidance whenever needed.
Invest in Your Financial Future with Integrity Now Insurance Brokers. When purchasing a fixed annuity, trust the experts at Integrity Now Insurance Brokers. Our extensive knowledge, personalized approach, and commitment to customer satisfaction make us your go-to source for all your fixed annuity needs.
Contact us today to schedule a consultation and take the first step toward securing your financial future.
Integrity Now Insurance Brokers: Your Fixed Annuity Expert
Integrity Now Insurance Brokers has offered assistance and tools for nearly twenty years to enhance our clients’ knowledge about fixed annuities and improve their financial understanding.
Our goal is to educate individuals about their financial choices and enable them to make well-informed decisions tailored to their specific requirements.
We want to be your trusted annuity advisor! Contact us today and request a comprehensive financial review.
Frequently Asked Questions About Fixed Annuities
What is a fixed annuity?
A fixed annuity is a contract with an insurance company that guarantees a fixed interest rate on your principal for a set period. Your money grows tax-deferred, and you can convert it into a guaranteed income stream for life or for a set number of years.
What is the difference between a fixed annuity and a fixed index annuity?
A traditional fixed annuity (MYGA) earns a declared interest rate regardless of market performance. A fixed index annuity (FIA) credits interest based on a market index like the S&P 500, with a guaranteed floor of 0% — meaning your principal is protected even when markets decline. FIAs typically offer higher growth potential in exchange for participation caps or spreads.
Are fixed annuities safe?
Fixed annuities issued by A-rated insurance carriers are among the most secure financial products available. Your principal is protected from market loss, and state guaranty associations provide an additional layer of protection. An independent agent can help you select carriers with strong financial ratings.
How much money do I need to buy a fixed annuity?
Most fixed annuities have minimum premiums between $10,000 and $25,000, though some carriers accept as little as $2,500. There are no IRS contribution limits on annuities. You can fund one with personal savings, a rollover from a 401(k) or IRA, or proceeds from a maturing CD.
Can I lose money in a fixed annuity?
In a fixed or multi-year guaranteed annuity (MYGA), your principal is fully protected — you cannot lose money to market volatility. In a fixed index annuity, your principal is also protected with a 0% floor. The main risk is surrendering early and incurring surrender charges, which is why we match clients to products that fit their time horizon.
Do I need an agent to buy a fixed annuity?
Working with an independent annuity agent costs you nothing — agents are compensated by the insurance carrier, not by you. Kevin Edwards at Integrity Now Insurance compares dozens of products across multiple carriers, giving you unbiased guidance you cannot easily get by going directly to a single insurer. This often results in better rates, stronger guarantees, and a product that truly fits your needs.