Individuals & Families

Protect and Grow Your Household Savings

Whether you're building toward retirement or planning a legacy, a Fixed Indexed Annuity offers tax-deferred growth, principal protection, and a thoughtful way to pass wealth to the people you love.

See How a Fixed Indexed Annuity Works

A short walkthrough from Ken Orenstein on protecting your principal, capturing market-linked growth, and turning savings into guaranteed lifetime income.

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A steady anchor for your household plan

Families want growth without putting their savings at risk. A Fixed Indexed Annuity lets a portion of your money grow tax-deferred, linked to a market index, with a 0% floor that protects principal in down years. Compounding without an annual tax bill can make a meaningful difference over time.

It's also a flexible home for IRA and 401(k) rollovers, and it can be structured with named beneficiaries so assets pass directly to your loved ones — typically avoiding probate. Ken helps you weigh growth, income, and legacy goals together, in plain language.

Individuals and families planning protected, tax-deferred savings growth and legacy

How We Help Individuals & Families

Balancing protection, growth, and legacy so your savings work for the whole household.

Protect Savings

A 0% floor shields your principal from market losses, so a bad year never sets your family's plan back.

Tax-Deferred Growth

Index-linked interest compounds without an annual tax bill, helping your savings grow faster over time.

IRA & 401(k) Rollovers

Roll over an old 401(k) or IRA tax-deferred into a Fixed Indexed Annuity built around your goals.

Legacy & Beneficiaries

Name beneficiaries so assets pass directly to loved ones — typically avoiding the delays of probate.

Individual & Family FAQs

How does tax-deferred growth benefit my family?

Because you aren't taxed on interest until you withdraw, your money compounds on a larger balance year after year. Over time, that deferral can add up to meaningfully more growth than a comparably taxed account.

What happens to the annuity when I pass away?

You name beneficiaries on the contract, and the remaining value passes directly to them — typically avoiding probate. We help you set this up so your wishes are clear and your loved ones are taken care of.

Will my family owe taxes on the annuity they inherit?

Generally, beneficiaries owe ordinary income tax only on the growth portion — the tax-deferred gains — not on the original principal, and they have several payout options that affect the timing. It's not subject to the same rules as a life insurance death benefit. We'll point you to the right guidance and coordinate with your tax professional so there are no surprises.

Can I roll over an old 401(k) or IRA?

Yes. A direct rollover from a 401(k), IRA, or TSP into a Fixed Indexed Annuity keeps your money tax-deferred and lets you add principal protection and optional lifetime income. We coordinate the transfer so it's done correctly.