Annuities Explained—Protect Your Retirement Income with Confidence
Annuities are insurance products designed to help you grow your savings, protect your principal, and secure guaranteed income in retirement. Whether you're planning ahead or already retired, the right annuity strategy can support your long-term financial goals.
At Integrity Financial Solutions Group, based in Gilbert, Arizona, we help individuals across the state understand the pros, cons, and real-world uses of annuities—so you can make a decision that fits your life.
Curious about how annuities could strengthen your retirement? Start with our consultation form.
What Is an Annuity?
An annuity is a contract between you and an insurance company. You contribute funds (either through a lump sum or over time), and in return, the insurer provides growth potential and/or guaranteed income later—usually during retirement.
Some annuities focus on safety, while others offer market-linked growth. We help you sort through the types and features to find a plan that matches your risk tolerance and goals.
Want a no-pressure breakdown of how annuities work? Let’s talk.
Types of Annuities We Help You Explore
We’ll walk you through the core types of coverage and explain which options best match your life stage, income, and goals:
Fixed Annuities
Offer guaranteed interest growth and a steady, predictable income stream. These are often chosen by conservative savers who want to avoid market volatility.
Indexed Annuities
Tied to the performance of a market index (like the S&P 500), these offer more upside potential than fixed annuities—while still protecting your principal from market losses.
Permanent Life Insurance (Universal & Whole Life)
Offers long-term protection and cash value growth. These policies can be used for legacy planning, wealth transfer, or flexible borrowing options down the road.
We’ll explain the difference between Whole Life and Universal Life, and help you understand how cash value works in the real world.
