An annuity is a contract with an insurance company that guarantees you a stream of income in retirement — for a set period or for the rest of your life. At Citizen Seguro, we work with top-rated carriers to match you with the right annuity product based on your retirement goals, timeline, and risk tolerance.
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The FIA provides index-linked growth with a floor of 0% — meaning you never lose principal due to market downturns. You participate in market upside while your money stays protected. Top FIA carriers include Allianz, F&G, North American, and Nationwide.
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A MYGA works like a CD from an insurance company — you lock in a guaranteed fixed interest rate for 3, 5, or 7 years with tax-deferred growth. Great for those near or in retirement seeking safety and certainty. Top MYGA carriers: Athene, American Equity, Global Atlantic, and Oxford Life.
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A QLAC is funded with IRA/401(k) money and defers income to age 85, reducing required minimum distributions (RMDs). Ideal for retirees who want to protect against outliving their savings. Top QLAC providers include Lincoln Financial, Mutual of Omaha, and Pacific Life.
Our specialists will help you compare FIA, MYGA, and QLAC options to maximize your retirement income.