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For Individuals.



It's a long-term insurance product designed to help protect you from the risk of outliving your income.

Why do you need a deferred annuity?

If you’ve maxed out your 401(k) or IRA contributions, a deferred annuity may be a smart addition to your retirement plans because annuity earnings during the accumulation phase are tax-deferred. And, by converting your accumulated value into a guaranteed income stream, a deferred annuity can provide the same feeling of security you get from earning a regular paycheck—even when you are no longer working.

Make your money last a lifetime

Annuities are a way to pay your future self—like a personal pension plan. The money you earn today can provide for the things you need tomorrow.

Safeguard against uncertainty

Unlike many retirement options, fixed deferred annuities earn a guaranteed minimum rate of interest with the opportunity for higher returns as well. Your contribution grows predictably to fund an income you can count on—regardless of market fluctuations.

Monty from Claims

Is an annuity right for you?

Consider the retirement plans you already have in place and your likely income needs—a trusted financial advisor can help you decide if a deferred annuity makes sense for you. Keep in mind, once purchased, for a number of years, deferred annuities are subject to surrender charges if you change your mind and withdrawals beyond a certain percentage of your accumulated value are subject to withdrawal charges.

Invest today for a reliable income tomorrow

An annuity contributes to your peace of mind. Set aside some of the money you make during your peak earning years—or contribute cash from an inheritance, insurance benefit, or the sale of a business or home—to provide a steady source of income for as long as you live.

Bear markets and corrections and recessions, oh my! Fixed deferred annuities earn a guaranteed minimum rate of return during the accumulation phase, no matter what the stock market does.

A retirement plan for your whole life

While investments in your retirement portfolio may offer higher possible returns, a fixed, deferred annuity provides a steady source of accumulating value that can convert to an income stream covering some of your most predictable expenses. As Social Security remains questionable, the cost of living climbs, and medical breakthroughs offer a healthier and longer life, you’ll want to make sure your cash flow can stretch. How much will you need? Consider the averages:

A rule of thumb is that you’ll want replace between 70% and 90% of your working income to maintain your standard of living during retirement years.

Households run by someone 65 years or older spend an average of $3,800 per month (Bureau of Labor Statistics data, 2016)

In 2020, the average American could expect to live to 77.8 years (National Center for Health Statistics, 2020)

Key advantages of fixed annuities

Annuities let you convert your accumulated value into an income stream you can’t outlive.

Interest rates guaranteed

Your principal is guaranteed because your contribution earns a minimum guaranteed interest rate prior to the payout phase. It grows at a rate you can depend on, with higher declared interest rates also possible. So, unless you make withdrawals, the value of your annuity can only increase prior to beginning payouts.

Money grows tax deferred

Funds accumulate on a tax-deferred basis. This means that like 401(k)s and IRAs, you won’t pay taxes on any annuity earnings until you start receiving income payments or make withdrawals. By timing your payouts to begin when you’re likely to be in a less costly tax bracket, you may enjoy more of what you’ve worked so hard to earn.

Choose how you get your money

Choose to receive payments that last as long as you live, for a fixed number of years, a combination of lifetime with a fixed number of years guaranteed, and several more. Prior to maturity, receiving your accumulated value as a lump sum is also an option. Tax consequences are always an important consideration and working with a trusted financial advisor is a good idea.

Death Benefit

During the accumulation phase, your named beneficiaries will receive the accumulated value of your deferred annuity if you die. These funds avoid the costs, delays and publicity of probate.

Withdraw some of your money without withdrawal charges

The percentage varies, but during the accumulation phase and after the first year, you can withdraw some of your money without any withdrawal charge to pay for unexpected expenses or splurges.

Did you know?


of workers are confident that they know how much income they’ll need in retirement, or how to withdraw income from their savings and investments. (Employee Benefit Research Institute survey, 2020)

9 in 10

retirees say that Social Security is a major source of their income, while just 36% of current workers anticipate that it will be. (Employee Benefit Research Institute survey, 2020)


of non-retired 60- to 67-year-olds say they have enough money saved for retirement. (Schroders, U.S. Retirement Survey, 2021)

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For over 130 years, our financial strength has helped people support one another through difficult times.

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IRS Circular 230 Notice: Any federal income tax information contained in this document was not intended or written to be used, and cannot be used by any taxpayer, for the purpose of avoiding IRS Code penalties that may be imposed on the taxpayer. Such information was provided to support the promotion or marketing of the transaction(s) or matters(s) addressed by such information. Taxpayers should seek advice based on their particular circumstance from an independent tax advisor.

Annuity Form Nos. I A1004 or ICC10 I A1004 (Qualified); I A1003 or ICC10 I A1003; I A0602 (Qualified); I A0601 (Non-Qualified); ICC11 I A1118 or I A1118 (Qualified); and ICC11 I A1117 or I A1117 (Non-Qualified) underwritten by Assurity Life Insurance Company, Lincoln, NE.

Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Product availability, features and rates may vary by state.