CheckmateFinancial Group
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CheckmateFinancial Group
Join as an Agent →Get a QuoteCall (833) 997-6934

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Retirement planning

Income you can’t outlive.

An annuity turns what you’ve saved into a paycheck for life. Tax-deferred, principal-protected, yours.

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Guaranteed income for lifePrincipal protected. No market risk
The basics

What is an annuity?

In plain English: you put money in, it grows without being taxed each year, and later it pays you back. Often for the rest of your life. Three steps.

Fund it

Start with a lump sum or contributions over time. Often rolled from savings or a retirement account.

→

Grows tax-deferred

Your balance compounds without yearly taxes. Depending on the type, with protection from market losses.

→

Receive income

Turn it into a steady paycheck. For a set period or for life. Exactly when you need it.

Annuity types

Three ways to build it.

Growth with a floor

Fixed Indexed (FIA)

For savers who want market-linked upside without the downside. Growth tracks an index, with a 0% floor that protects you in down years.

  • Index-linked growth potential
  • Principal protected from losses
  • Optional lifetime-income riders
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Simple & predictable

Fixed Annuity

For conservative savers who want certainty. A guaranteed interest rate and a clear, predictable path to income.

  • Guaranteed fixed interest
  • Predictable, steady growth
  • Straightforward income options
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Lock in a rate

MYGA

A multi-year guaranteed annuity: lock a fixed rate for a set term, like a CD with tax-deferred growth. Great for parking money you won’t need yet.

  • Rate guaranteed for the full term
  • Tax-deferred accumulation
  • Clear maturity date
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Income for the life you built

Backed by leading annuity providers.

Is this right for you?

Annuities tend to fit if you’re…

  • A pre-retiree

    Within 5–10 years of retiring and wanting to lock in future income now.

  • A retiree wanting income

    Ready to convert savings into a dependable monthly paycheck.

  • A conservative saver

    Looking for growth without exposure to market downturns.

  • A surviving spouse

    Seeking stability and a simple, guaranteed income stream.

  • A business owner

    Planning your own retirement outside the business you built.

  • A growth-focused saver

    Wanting index-linked upside with a protective floor underneath.

Common questions

Retirement, answered plainly.

What’s the difference between an annuity and life insurance?
Life insurance protects the people who depend on you by paying a benefit when you pass away. An annuity protects you while you’re living, by turning savings into income you can’t outlive. Many families use both. And they can work together.
Is my principal really protected?
With fixed and fixed-indexed annuities, your principal isn’t exposed to market losses. A down year in the index means 0% growth, not a negative return. Guarantees are backed by the issuing carrier’s financial strength, which is why we only work with A-rated providers.
How are annuity payments taxed?
Growth is tax-deferred while it accumulates. When you take income, the portion that represents earnings is taxed as ordinary income; how the rest is treated depends on how the annuity was funded. We’ll walk through your specific situation. And we always recommend confirming with your tax advisor.
What happens to the money when I die?
Most annuities include a death benefit that passes remaining value to your named beneficiaries. The exact amount depends on the contract type and any riders you’ve added. We’ll make sure you understand it before you sign.
Is there a minimum to get started?
Minimums vary by carrier and product, and there’s a wide range to fit different budgets. An agent can match you to a product whose minimum fits what you’re planning to contribute.
Can I combine an annuity with my IUL?
Yes. They solve different problems and often complement each other. An IULcan provide tax-advantaged growth and a death benefit, while an annuity locks in guaranteed income. We’ll help you balance both around your goals.
Retire on your terms
A paycheck that keeps coming. Long after the last one from work.

We’ll model the income an annuity could provide and show you exactly how it fits alongside the rest of your plan.

Annuities are long-term insurance products. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are not bank deposits and are not FDIC insured, and early withdrawals may be subject to surrender charges. This is general information, not a recommendation; a licensed agent will confirm suitability and availability in your state.

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Let’s build income you can count on.

A free, no-pressure conversation with a licensed agent. In English, Spanish, or Portuguese.

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