Fixed Annuities · South Florida
A guaranteed interest rate, a guaranteed principal, and zero market exposure.
A contractually guaranteed interest rate on money you can't afford to lose — tax-deferred, principal-protected, and shopped across A-rated carriers.
Why it matters
The conservative anchor of a South Florida retirement plan.
A fixed annuity is straightforward: you deposit a lump sum, the insurance carrier guarantees an interest rate for a defined term, and the principal is never exposed to the market. Growth is tax-deferred until you withdraw, which matters considerably for retirees managing taxable income and Medicare IRMAA thresholds.
Compared to a bank CD, fixed annuities typically credit a higher rate, defer taxes rather than generating an annual 1099, and can be converted to guaranteed lifetime income later. The trade-off is a surrender period, so we size the deposit around liquidity you'll genuinely never need to touch.
What's included
What a fixed annuity gives you.
Guaranteed Rate
A contractual interest rate for the full term — no market variability.
Principal Protection
Your deposit cannot lose value due to market performance.
Tax-Deferred Growth
No annual 1099; taxes are owed only when you withdraw.
Penalty-Free Withdrawals
Most contracts allow 10% annually without a surrender charge.
Lifetime Income Option
Convert to a guaranteed income stream you can't outlive.
Probate Avoidance
Passes directly to your named beneficiary, outside probate.
Free Quote
Free quote, no obligation — usually back the same business day.
Daniel personally reviews every request from Broward and Palm Beach County. 18 years of tenure, 30+ A-rated carriers.
Frequently asked
Fixed Annuities questions we hear every week.
How is a fixed annuity different from a CD?+
Both guarantee a rate, but annuities are issued by insurance carriers, grow tax-deferred rather than generating annual taxable interest, usually credit more, and carry surrender periods instead of FDIC insurance — they're backed by the carrier and Florida's guaranty association.
What rates are available now?+
Rates move weekly and vary by term and carrier. We pull current quotes from multiple A-rated companies whenever you ask — there's no cost to see the market.
Can I access my money?+
Most contracts permit 10% penalty-free each year, plus provisions for nursing home confinement or terminal illness. Beyond that, surrender charges apply during the term.
Are my funds safe?+
Annuities are backed by the issuing carrier's claims-paying ability and, within statutory limits, the Florida Life & Health Insurance Guaranty Association. We only present A-rated carriers.
How are withdrawals taxed?+
Gains are taxed as ordinary income when withdrawn. Withdrawals before 59½ may also incur a 10% IRS penalty on the gain portion.
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Let's put the right coverage in place.
Serving Fort Lauderdale, Pompano Beach, Boca Raton, Delray Beach, Boynton Beach and West Palm Beach.