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Retirement Annuities for Long-Term Income & Financial Security in the U.S.

Annuities help individuals create predictable retirement income, grow savings on a tax-deferred basis, and build long-term financial security. Flexible annuity solutions designed for retirement planning, wealth preservation, and guaranteed income strategies.

25+
Years
In The Trade
500+
Policies
Issued
4+
Industry
Sectors
Annuties

Access to Multiple Insurance Carriers

We work with established U.S. insurance carriers to provide a range of policy options and underwriting approaches.

Insurance Carriers Marquee
Americo Transamerica AIG / Corebridge Foresters Mutual of Omaha Royal Neighbors SBLI Aetna Liberty Bankers Life NLG Life Fidelity Life F&G United Home Life Ethos John Hancock Ameritas Augusta Life Lincoln Financial Group Banner Life William Penn Americo Transamerica AIG / Corebridge Foresters Mutual of Omaha Royal Neighbors SBLI Aetna Liberty Bankers Life NLG Life Fidelity Life F&G United Home Life Ethos John Hancock Ameritas Augusta Life Lincoln Financial Group Banner Life William Penn
Annuties

What Is Annuities?

Annuities are insurance products designed to help you grow your retirement savings and create a reliable stream of income for the future. Depending on the type of annuity, your money can grow on a tax-deferred basis and later provide guaranteed or predictable income to help support your retirement goals.

As a trusted life insurance agent in the US, Hexis Legacy Group works with multiple leading insurance carriers to help you compare annuity options and choose a solution that fits your retirement income needs, financial goals, and long-term plans.

Our Life Insurance Plans We Offer


We provide a comprehensive range of insurance solutions designed to support protection, wealth building, retirement planning, and health-related financial security.

Insurance Products We Offer

Build Reliable Retirement Income With Annuities

Create long-term financial stability with Annuity solutions designed to provide retirement income, tax-deferred growth, and peace of mind.

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Annuities — Contribution Details & Eligibility
What's Covered

Contribution Details

Coverage Purpose

Annuities are designed to help individuals accumulate retirement savings and create predictable income streams during retirement years.

Typical Contribution Amounts

Varies based on financial goals, retirement timeline, and carrier requirements.

Common Uses
  • Guaranteed retirement income
  • Tax-deferred retirement growth
  • Wealth preservation strategies
  • Supplemental retirement planning
  • Protection from market volatility
  • Long-term financial stability
  • Estate and legacy planning
Who Qualifies

Eligibility & Underwriting

Age Range

Typically 18 to 85+, depending on carrier and annuity product type.

Health Requirements

Most Annuities do not require medical underwriting or health exams.

Medical Exam

Generally not required for Annuity products.

Type of Underwriting

Primarily financial suitability review and application approval.

Approval Expectations

Several Business Days depending on carrier processing requirements.

Frequently Asked Questions


Annuities — Frequently Asked Questions
01

What are Annuities and how do they work?

Annuities are financial products designed to provide predictable retirement income while allowing savings to grow on a tax-deferred basis. Individuals purchase Annuities through an insurance company using either a lump sum payment or scheduled contributions. Depending on the Annuity type selected, income payments may begin immediately or at a future retirement date.
02

Who should consider buying Annuities?

Annuities are commonly used by individuals planning for retirement income, long-term financial security, and protection against outliving their savings. Many retirees and pre-retirees choose Annuities to supplement Social Security, pensions, and investment accounts while creating a more reliable and predictable source of retirement income for the future.
03

What types of Annuities are available?

Several types of Annuities are available, including Fixed Annuities, Indexed Annuities, Immediate Annuities, and Deferred Annuities. Fixed Annuities provide guaranteed interest rates, while Indexed Annuities offer growth potential tied to market indexes. Each Annuity product offers different levels of income guarantees, growth opportunities, flexibility, and market exposure.
04

Are Annuities good for retirement planning?

Annuities can play an important role in retirement planning by helping individuals create guaranteed or predictable retirement income. Many people use Annuities to reduce concerns about market volatility and longevity risk. Certain Annuity products also provide tax-deferred growth opportunities that may help strengthen long-term retirement income strategies and financial security.
05

Can I purchase Annuities through an Insurance agency in the U.S.?

Yes. Working with a licensed Insurance agency in the U.S. allows you to compare multiple Annuity products from different insurance carriers based on your retirement goals, financial situation, and risk tolerance. An experienced insurance professional can help explain income options, surrender periods, riders, and long-term retirement planning strategies.

Why Choose Annuities?


Why Choose Annuities?
Advantages

What works in your favor

  • Predictable retirement income
  • Tax-deferred growth opportunities
  • Protection from longevity risk
  • Multiple payout options available
  • Flexible retirement planning strategies
  • Market protection options with certain products
Trade-Offs

What to keep in mind

  • Surrender charges may apply
  • Limited liquidity during surrender periods
  • Some Annuities have caps or participation limits
  • Product complexity varies by annuity type
Best Fit For

Who Annuities are built for

Individuals preparing for retirement who want stable income, long-term financial security, and protection against market uncertainty or outliving their retirement savings.

Why Choose Annuities?


Why Annuities Matter
01

Creating predictable retirement income

02

Helping reduce longevity risk

03

Supporting tax-deferred financial growth

04

Protecting retirement savings from market volatility

05

Providing long-term financial stability

06

Helping retirees maintain financial confidence during retirement

Serving Clients Across Multiple U.S. States


We assist clients nationwide and provide guidance tailored to state-specific availability and regulations.

State Coverage Map

States We Serve

Indiana
Iowa
Kansas
Maine
New Jersey
North Carolina
Oklahoma
Texas
Wisconsin
Florida
Arkansas
Delaware
Mississippi
Ohio
Virginia
Michigan
South Carolina
Kentucky
Alabama
Georgia
Illinois
Louisiana
Maryland
Nevada
Tennessee
South Dakota
New Mexico
Pennsylvania
Utah
Connecticut
New York
California
Massachusetts
Minnesota
Washington
Arizona

Don't see your state? Contact us — we add new state availability regularly and may have updated coverage options for your area.

Coverage map
Served (36) Coming soon (14)
AK
ME
VT
NH
WA
ID
MT
ND
MN
WI
MI
NY
MA
OR
NV
UT
WY
SD
IA
IL
IN
OH
PA
HI
CA
CO
NE
MO
KY
WV
VA
MD
NJ
AZ
NM
KS
AR
TN
NC
SC
DE
CT
OK
LA
MS
AL
GA
RI
TX
FL
36
U.S. States Served Coverage availability varies by state
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Compliance & Transparency Important Disclosures


Important Disclosures
FL License L132267 NPN 21674850
01

License & Registration

Hexis Legacy Group is a licensed independent insurance agency. Our license credentials are listed in the header above for verification.

02

Coverage & Eligibility

Coverage availability varies by state. Rates and eligibility are subject to underwriting approval. Not all applicants will qualify. All products are offered as part of a solicitation for insurance. Some policies may include graded benefits or waiting periods.

03

Communications & Affiliation

TCPA consent is required for phone and SMS communication. This website is not affiliated with any government program including Medicare, Medicaid, or Social Security.

For questions about coverage availability in your state, please contact a licensed agent. All policies are issued by participating insurance carriers and subject to their terms and conditions.