Annuities

We help turn your savings into reliable income so you can focus on what matters.

A Smarter Way to Secure Your Future

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We’ll help you:

✔️ Grow your wealth tax-deferred with fixed and indexed annuities

✔️ Secure a steady income stream for retirement with immediate annuities

✔️ Protect your principal while benefiting from market growth

Annuities can offer financial stability, tax-deferred growth, and guaranteed income for life—but not all annuities are the same. We help you make sense of your options so you can confidently choose the right plan for your future.



At TWP Financial & Insurance Services, we structure annuities to maximize your retirement income, protect your savings, and support your estate planning goals.

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FAQ

  • What is an annuity?

    An annuity is a financial product designed to provide a reliable income stream, often for retirement. It can help protect your savings, offer tax advantages, and create a predictable source of income for life.

  • What are the different types of annuities?

    ✔️ Fixed Annuities – Offer a guaranteed rate of return and grow on a tax-deferred basis, making them a secure alternative to CDs.


    ✔️ Immediate Annuities – Designed for retirees who want income right away—you invest a lump sum and receive guaranteed monthly payments for life.


    ✔️ Indexed Annuities – Provide market-linked growth without the risk of losing money when the market drops.


  • Are annuities a good option for retirement?

    Annuities can be a great tool for retirement planning because they provide guaranteed income and help protect against market volatility. Whether an annuity is right for you depends on your financial goals, risk tolerance, and need for steady income.


  • How do indexed annuities work?

    Indexed annuities grow based on stock market performance but protect your money from losses when the market declines. Historically, these annuities have earned 3-6% returns over time, making them a solid choice for long-term financial growth.

  • How does an immediate annuity provide retirement income?

    If you’re retiring and want to ensure you don’t outlive your savings, an immediate annuity converts your lump sum into a steady paycheck for life. Payments begin right away and can continue for you and your spouse.

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Your retirement should feel secure

 Let’s talk about how to make that happen.