​ Please note that the examples herein are not company nor product specific. They are concepts shown to give you general information of the benefits and limitations of the products and are not designed to be a recommendation to buy any specific financial product or service. Products change and such product concepts may not be suitable for your needs or available in your state.* Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurance company and are not guaranteed by any bank or the FDIC. ** Some annuities may have a lifetime income guarantee as part of the base policy; others may have optional riders available that provide this benefit. Riders may also be available for benefits like an annual increase to help combat inflation or for as much as doubling your income in case of a qualifying health event. Optional riders may be available with a charge. *Increased income possible with purchase of deferred income annuity age 60 , income start at age 80 vs 60 yr old with 20 yr 2% CD invested then purchasing immediate annuity at 80 for lifetime income.   Not available in all states. All interest is taxed upon withdrawal. We are not affiliated with nor endorsed by any government agency, including the Social Security Administration. By responding to this offer you may be contacted by a licensed insurance agent regarding retirement income planning using fixed insurance products. This is meant to provide general information on issues that many people consider in making the decision as to whether or not they should buy annuities; and if they do decide to buy, which types of annuities and which annuity benefits and additional riders will best suit their goals and needs. This information is not designed to be a recommendation to buy any specific financial product or service. Important Notice: The information published at this web site is not intended to be a recommendation to purchase an annuity. You are strongly urged to consult with financial planning, tax, and legal advisors to determine if an annuity is suitable in your financial situation. Annuities are not deposits of or guaranteed by any bank and are not insured by the FDIC or any other agency of the U.S. government. All annuity guarantees are subject to the financial strength of the insurance company.Joe Signorella California License: . Other state licenses Brochure Disclosure: The contract features described in all brochures on this website may not be current and may not apply in the state in which you reside. Insurance companies often issue contracts which are 'state-specific.' Insurance companies also change their brochures often and without notice. To receive the latest version of the annuity brochure for your state call 800-325-1833.