An annuity with a guaranteed lifetime income can be an important part of your retirement income plan, providing guaranteed income for a specific period of time or the rest of your life.

Your accumulation annuity is an insurance contract that can grow based on an index strategy. If there is a gain, then an index credit is added to the contract value with no market risks. The growth is protected and locked in.

An enhanced death benefit is offered through a “rider” and provides step-ups, which means the insurance company increases the value of your annuity on the anniversary date of when you took out the policy.