Protect today. Guarantee tomorrow.
Comprehensive annuity solutions crafted for lifelong financial confidence.
Annuities with The Southern Agency
At The Southern Agency, we partner with the nation’s strongest annuity providers to deliver rock‑solid financial protection and lifelong peace of mind. Whether you’re jump‑starting a child’s nest egg, locking in predictable retirement income, or crafting an estate‑planning strategy, it’s never too early—or too late—to start.
Our boutique, client‑first service is backed by the resources of the world’s largest brokerages, so you get white‑glove guidance plus unmatched market access. Licensed agents and carrier specialists sit on the same side of the table with you, answering every question in plain language and matching you to products that actually fit—and telling you when an annuity strategy isn’t right.
Why Clients Nationwide Choose Us For Annuities
- Compare Top-Rated Carriers: We quote leading A++, A+, and A‑rated insurers in minutes.
- Zero Market‑Loss Annuities: Earn competitive returns while your principal stays protected.
- Lifetime Income: Convert savings into guaranteed paychecks you can’t outlive.
- Compliance You Can Trust: We follow the NAIC Best‑Interest Standard (Model #275) and monitor carrier solvency so you never have to worry.
- Service Across the U.S. & Canada: Remote or in‑person—we’re there every step of the way.
The Southern Agency's Annuity Suite
Fixed Annuities
Stable, guaranteed interest rates and predictable payments—often with built‑in protective floors.
Indexed Annuities
Growth linked to well‑known market indexes, offering growth potential with downside protection.
Popular Enhancements
- Guaranteed Minimum Income Benefit (GMIB) – Lock in future income regardless of performance.
- Guaranteed Lifetime Withdrawal Benefit (GLWB) – Receive a set percentage every year for life.
- Cost‑of‑Living Adjustment (COLA) Riders – Keep pace with inflation automatically.
- Death Benefit Rider – Pass remaining value to beneficiaries if you die before or during the payout phase.
- Long‑Term Care Rider – Tap your annuity’s value to help cover qualified long‑term‑care expenses.
- Enhanced Income Rider – Boost the guaranteed income stream based on contract performance or upfront bonus.
Partner Carriers (Partial List)
Fixed-Annuity Leaders
- Cincinnati Life Insurance Company
- ERIE Family Life
- Auto-Owners Life Insurance Company
Indexed-Annuity Specialists
- Allianz Life of North America
- Corebridge (AIG)
- Lincoln Financial Group
Our brokerage contracts span dozens more A‑rated insurers, ensuring competitive rates and flexible underwriting for every stage of life.
How to Secure an Annuity in 3 Steps
1
Complete Illustration Request
Takes just a couple of minutes online or by phone.
2
Select & Fund Your Contract
Roll over a 401(k) or IRA, pay via savings, or use a settlement transfer. Your agent walks you through each option!
3
Relax & Watch It Grow
Receive periodic statements, 24/7 carrier‑portal access, and dedicated Southern Agency support for the life of the policy.
Ready to Build Your Financial Safety Net?
The Southern Agency stands beside you with transparent advice, top‑tier carriers, and lightning‑fast illustrations. Let’s tailor an annuity strategy that supports every chapter of your life.
FREQUENTLY ASKED QUESTIONS
What are annuities?
An annuity is an insurance contract that turns a lump sum—or a series of contributions—into a reliable income stream, usually during retirement.
Why choose annuities?
They offer predictable, often guaranteed, lifetime income and protect you from outliving your savings.
How does tax‑deferred growth work?
Earnings grow without current taxation; you pay taxes only when you withdraw funds, allowing your money to compound faster.
Which payout options can I select?
Choose lump‑sum, period‑certain payments, life‑only income, joint‑life payouts, or fully customized schedules.
Are annuities safe from market volatility?
Fixed and many indexed annuities shield your principal from market downturns while still providing growth potential.
Can I customize an annuity contract?
Yes—add riders for enhanced income, long‑term care coverage, inflation protection, legacy benefits, and more.
Do annuities help with estate planning?
They can bypass probate and pay beneficiaries directly, preserving privacy and reducing delays.
How do annuities differ from life insurance?
Life insurance protects loved ones with a tax‑free death benefit, while annuities focus on providing you with income while you’re alive. Many retirees use both to cover separate needs.
When is the best time to buy an annuity?
Generally, five to ten years before you want income gives your contract time to grow, but immediate‑income annuities can start payouts right away if you’re already retired.
Are annuities insured or guaranteed?
Annuity guarantees are backed by the issuing insurer’s claims‑paying ability. In most states, additional protection is available through state guaranty associations (subject to coverage limits).
What fees are associated with annuities?
Fixed and indexed annuities often have low or no explicit fees, but surrender charges apply if you withdraw early. Optional riders may carry separate costs disclosed up front.
Can I access my money before retirement?
Yes, but withdrawals above the free‑withdrawal allowance may incur surrender charges and, if taken before age 59½, IRS penalties on tax‑deferred earnings.
What’s the difference between fixed, indexed, and variable annuities?
Fixed—guaranteed rate of return and principal protection.
Indexed—interest credited based on an index with downside protection.
Variable—market‑linked investment options with higher growth potential and higher risk (not offered by every carrier we represent).
Can I roll over a 401(k) or IRA into an annuity?
Yes—qualified annuities accept transfers or rollovers from 401(k), 403(b), 457, and traditional IRA accounts without triggering taxes.
Is there a minimum purchase amount?
Most carriers require $5,000–$25,000 to start, but higher funding amounts may unlock better interest rates or bonus features.
