Plan for linemen
Annuities for Linemen: Retirement Income You Can Count On
Your pension covers part of retirement. An annuity can turn a lump sum, like a 401(k), a buyout or savings, into a monthly paycheck guaranteed by the issuing carrier for a set period or for life. We compare fixed and fixed indexed annuities across carriers and lay out the guarantees, surrender periods and fees before you decide.
What we cover
Every number, explained.
Turn a 401(k), buyout or savings into income that can last for life, protected from market losses.
Lifetime income math
What a lump sum could pay each month, for life or a set period, with and without an income rider.
Protection from market losses
How fixed and indexed annuities credit interest, and the floors that protect credited value from index drops.
Surrender periods and fees
How long your money is committed, what early withdrawals cost, and what each rider charges.
Carrier comparison
Rates, guarantees and financial-strength ratings from multiple carriers, side by side.
Good fit check
A good fit if…
Not sure it fits? A review costs nothing and doesn't commit you to anything.
- You're within 10 to 15 years of retiring, or already retired
- You have 401(k), buyout or savings dollars you don't want exposed to market drops
- You want income on top of your pension that won't run out
FAQ
Straight answers.
Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company, not by the FDIC or any government agency. That's why we compare each carrier's financial-strength rating alongside its rates.
Often, through a rollover when you leave the job or retire, depending on your plan's rules. Rollovers carry tax and plan-specific consequences, so we walk through them with you and your plan administrator before anything moves.
Annuities trade some access to your money for guarantees. Most have a surrender period where large early withdrawals cost a fee, and income riders carry annual charges. We show every one of those in writing before you decide.
We focus on fixed and fixed indexed annuities, which are not invested directly in the stock market. Variable annuities are securities and belong with a securities-licensed advisor.
Other plans
More plans for linemen.
- Tax-Advantaged Retirement (IUL)Permanent life insurance with cash value you can access later, built around a lineman's income.See the plan
- 401(k) & Pension StrategySee what your 401(k), annuity and pension could actually pay you, and where the tax bill lands.See the plan
- Mortgage ProtectionCoverage that pays off or keeps paying the house if you die or can't work.See the plan
- Life Insurance Outside the UnionCoverage you own, that follows you if you leave the job, retire, or switch locals.See the plan
30-second fit check
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One question and we'll show which plan fits you best. No contact info to start.
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