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What are annuities?

Being ready for retirement is essential. This doesn’t just involve knowing you’ve saved a sufficient amount of money to retire. It also means that you must be confident knowing that you’ll have the guaranteed income to meet your retirement needs.

An annuity is a contract between you and your insurance company where you pay either a regular premiums or a lump sum so the insured is guaranteed a fixed income stream from the insurer.

We’ll be your guide to easily find and obtain the perfect annuity option just for you


The experts at GoInsurancePAL will walk you through all of your options in easy to understand terms. We’ll discuss all benefits that help you to choose the right option for you.
We’ll also explain how annuities can help you save more for retirement, create income for the future while helping protect you from market fluctuations and how they can give you a source of income for however long you need it. Your GoInsurancePAL expert will also explain the advantages and disadvantages of the various types of annuities available. They include:

· Tax-deferred annuities
· Deferred variable annuities
· Deferred variable annuity with a guaranteed minimum accumulation benefit
· Deferred fixed annuities

Annuities FAQs

How does an annuity differ from a regular savings or retirement account?

Annuities provide tax deferred growth, like a 401(k) or IRA. They average about 7% interest an provide a bonus for longevity. While they average about a 7% return they also have a floor of about 1%. You can take out 10% each year without penalty.

We recommend using annuities as a way to fund an infinite banking strategy and a way to transfer savings from a 401(k) or IRA.

What are the benefits of an annuity?
Annuities offer tax deferred growth beyond the limits of IRAs. Annuities also have no medical qualifications, making them an option for people who don’t qualify for insurance policies.

Have tax deferred growth and can’t qualify for life insurance policy – no medical qualification.

What are the disadvantages of an annuity?
When you die annuities just pay out the money you have saved in them. Annuities can be complex and many agents either don’t understand them well enough or are simply looking to sell the policies for a commission. Well-designed annuities with your personal objectives in mind can be a powerful tool, but they are not for everyone.

Infinite Banking


With GoInsurancePAL, you can learn the comparison between Infinite Banking and a conventional savings account. Ask us how your assets can grow, what you need to get started and if your money is safe. Our experts can answer all of your questions.

Why Choose GoInsurancePAL

We help you find the annuity option that
fits your life and needs

Benefits for choosing GoInsurancePAL for annuities:


  • Qualified support when you need it
  • Easy to apply
  • Selection of plans to meet your budget
  • Higher benefits
  • Lower price
  • “1-on1-approach” to protecting your and your family’s home
  • Nurturing and caring Home Insurance experts
  • We make Home Insurance simple to understand, act and benefit from
  • More than just insurance – we care about people

Speak with an Insurance Expert

Call: 877-GOINS99



Let's Get You Protected

We'll find you the right insurance at the best price

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Speak with an Insurance Expert

Call: 877-GOINS99



Let's Get You Protected

We'll find you the right insurance at the best price

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