Protection from market declines
A declining index will not create a negative index interest credit. Your savings are held in an insurance contract, not invested directly in the index.
YOUR NEXT CHAPTER STARTS WITH A PLAN
You worked hard for your savings.
Give your retirement a plan.
Discover how a fixed indexed annuity can protect a portion of your hard-earned savings from market declines, offer index-linked interest potential, and provide options for income you cannot outlive.
Request my retirement reviewNo obligation. A conversation with a professional licensed in your state.
Protection applies to negative index interest credits. Withdrawals, charges, and adjustments can reduce contract value. Lifetime income requires an elected payout option or benefit; terms and fees may apply.
PROTECT · BUILD · RECEIVE
Three possibilities. One personal review.
Room for interest growth
Earn interest based in part on an index. Caps, participation rates, and spreads can limit interest, and some periods may earn zero.
Income for your lifetime
Explore an elected lifetime payout or available income rider. Payments depend on the contract, your age, and when income begins; rider fees may apply.
A QUICK RETIREMENT CHECK-IN
Will your monthly income
cover the life you want?
Move the sliders to explore the difference between your expected spending and income. Start with take-home amounts in today’s dollars.
Example monthly gap
$2,000per month to plan for from savings or other income sources.
$24,000 over one year
Discuss my income plan →Simple budgeting illustration: spending minus expected income, with a minimum gap of zero. This is not an annuity quote, payout estimate, or recommendation. It does not model inflation, investment returns, future tax changes, or changing expenses. Your slider entries stay on this page and are not included in your review request.
More retirement planning resources: CFPB ↗CLARITY BEFORE COMMITMENT
A conversation. A comparison. Your decision.
You do not have to know every retirement term to take the next step. Start with your goals; we’ll help you understand the choices.
Start with your life
Discuss when you want to retire, your monthly income needs, existing benefits, and the savings you need to keep accessible.
See the whole picture
A licensed professional can compare appropriate options, including keeping your current plan. Review income features, costs, access to cash, and insurer guarantees.
Choose with clarity
Ask questions and review the actual contract terms before deciding. Requesting a review creates no obligation to purchase or move money.
What should I have ready for my review?
- Your approximate retirement date and monthly spending needs.
- Estimates of Social Security, pension, and other expected income.
- A general picture of your savings, current plan benefits, and emergency reserves.
- Questions about fees, withdrawals, beneficiaries, and income for a spouse.
Keep sensitive documents private. Do not submit account statements, Social Security numbers, or account numbers through this page.
KNOW WHAT YOU ARE CONSIDERING
A few good questions.
What is a Legacy Retirement Blueprint?
It is our brand for education and reviews about fixed indexed annuities: long-term insurance contracts issued by an insurance company. It is not a bank account, a government program, or a separate type of retirement account.
Is my money invested inside a stock market index?
No. An index helps calculate interest under the contract’s crediting rules. You do not own index shares or receive the index’s full return. A fixed indexed annuity differs from a registered index-linked annuity, which can expose you to market losses.
Does protection mean there is no risk of loss?
No. A fixed indexed annuity protects against negative index interest credits. Surrender charges, withdrawals, rider fees, and market value adjustments may reduce what you receive, including below your original premium. Inflation can reduce purchasing power. All guarantees depend on the issuing insurer’s claims-paying ability; this is not an FDIC-insured bank deposit.
How can income continue for life?
You may elect a lifetime annuity payout or, where available, a guaranteed lifetime withdrawal benefit. These are different options with different access to cash, fees, and rules. Excess withdrawals can reduce or end an income benefit. An income benefit base is not the same as cash you can withdraw.
Can I use savings from an old 401(k) or IRA?
Some retirement funds may be eligible for a rollover or transfer. A licensed professional will review your existing benefits, costs, tax considerations, liquidity, and alternatives before any recommendation. Moving money is not always appropriate. An annuity inside an IRA adds no extra tax deferral.
Can I access my money when I need it?
Contracts may permit limited withdrawals without surrender charges. Larger or earlier withdrawals may trigger charges, adjustments, taxes, and possible tax penalties before age 59½. Keep money for emergencies and near-term expenses accessible outside a long-term annuity.
ONE CLEAR NEXT STEP
Let’s talk about
your retirement.
Tell us a little about your goals. A licensed Legacy Builders professional can follow up to arrange a review.
We’ll discuss your income needs, access to cash, existing plan benefits, and whether an annuity or rollover is appropriate for you.
This requests a conversation. It does not book an appointment, move money, or apply for an annuity.
Prefer to call? 800.430.9201