Boost retirement confidence with guaranteed income

Clients can feel more confident in the future they've worked hard for when a portion of retirement income is derived from guaranteed sources. Start a guaranteed income conversation with your clients and help them protect their vision for retirement.

3 benefits of guaranteed income for clients

Financial

Research finds that retirees who hold a larger portion of their wealth in guaranteed income actually spend more than retirees who hold equal wealth in investments.¹

Emotional

The security of a protected paycheck reduces or lessens the stress of market ups and downs from your clients’ lives, so they feel more comfortable spending money on their lifestyle.

Budgetary

As clients age, automating a budget with guaranteed income can help them reduce the risk of financial mistakes due to the risk of congitive impairments.

Meet Tom and Lucy

Tom and Lucy are 65 year-old pre-retirees who don't want to run out of money in retirement. They want to ensure their essential expenses are covered so they can live out their lifestyle goals in retirement.

Image of pre-retirees, Tom and Lucy, walking on the beach.

Typical sources of retirement income

Tom and Lucy are relying on typical income sources, like Social Security, a pension plan, and personal savings to support their retirement needs. But only the Social Security and pension plan will provide guaranteed income they can rely on to cover inflexible expenses.

Chart illustrating that the half of Tom and Lucy’s retirement income comprised of Social Security and pension benefits.

Leveraging an annuity to instill more confidence

By using some of their personal savings to add an annuity with a guaranteed income benefit to their retirement plan, Tom and Lucy can increase the portion of their retirement income that is guaranteed. More guaranteed income can help protect their plan against unexpected risks and increase the likelihood that their money will last a lifetime.

Chart illustrating that by adding an annuity with a guaranteed lifetime income benefit to their plan, over half of Tom and Lucy’s income is now guaranteed.

Financial professional reviewing a white paper detailing a 3-step approach to income planning.

Explore our guaranteed income solutions

When you've identified a need for guaranteed income in your clients' plans, our suite of annuity solutions can help you deliver a solution that best fits your clients' retirement goals. Explore our options below.