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YOUR SAVINGS CAN PAY YOU BACK FOR LIFE
If you have savings and you’d love to get guaranteed income for life, meet our Forever Fund annuity (SPIA). Secure your first payment in as little as a month, get flexible refund options, and even cover another person, such as a spouse.
Our Forever Fund turns a one-time lump sum deposit into reliable, predictable income.
You decide how long the payments last, how much they are, who gets paid, and if you want them to grow over time. Get your first payment in as little as 30 days.
You’re in Control
Some payout options ensure your loved ones get back your premium or continue receiving payments. Others simply end payments when the annuitant passes away.
Transfer funds from your 401(k), savings, or IRA.
65+ Years of
Financial Strength
Backed by
Choose Your Annuity Structure:
Easy to Execute
No post office, fax, printer, or paperwork needed. Complete our secure online application in minutes. Need help? Our friendly experts are happy to chat.
An electronic check is the fastest option, but you can also fund your annuity with a wire transfer, paper check, 401(k), IRA or annuity transfer.
That’s it! Your automatic payments will start in as little as 30 days based on how you set them up, guaranteed. No surprises here.
Here to Help
In the uncertain world of retirement, it’s good to have guaranteed returns to depend on. Watch our mascot Steady Edward use measured steps to beat the volatile hare.
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A single premium immediate annuity (SPIA) is a type of annuity you purchase with one lump sum. In return, payments usually start within a year. A SPIA has no cash value and cannot be surrendered after the 30-day free look period. A SPIA is a simple way to turn retirement savings into steady retirement income.
Payments for Term Certain, Single Life, and Joint Life Forever Fund annuities can be paid monthly, quarterly, semi-annually, or annually beginning on the annuity income date through the annuitant’s lifetime or for a predetermined term (5, 10, 15, or 20 years).
You can select an annual increase feature with the Forever Fund annuities in order to increase your payments. If selected, payments will increase by 3% on each policy anniversary.
The annuity income date for the Forever Fund cannot be changed after purchasing. The only exception is if we do not receive your funds at least 30 days before your chosen annuity income date. In that case, we will automatically move your income date to the same day in the next month.
Your payments are determined by your annuitant’s age, gender, state, the payment option you select, and the frequency of payments. Please use our annuity calculator to estimate your payments under various scenarios.
Payments after an annuitant passes away will depend on the payment options selected on the application.
Cash Installment: Your beneficiary will receive lifetime payments until the total of income payments equals the original premium.
Cash Refund: Your beneficiary will receive a lump sum payment equal to the original premium, minus any previous payments.
Term Certain: If the annuitant passes away prior to the end of the term the beneficiary will continue to receive payments until the term is complete.
Single Life Contingent: If the annuitant passes away, payments will cease.
Joint Life Contingent: If an annuitant passes away, payments continue to the Joint Life. In some cases, these payments will be less than the original payment.
Life Contingent including Term Certain: If the annuitant passes away prior to the end of the term, the beneficiary will continue to receive payments. If the annuitant passes away after the term, payments will cease.
