Commercial Insurance of America
Retired couple meeting with financial advisor to plan annuity income

Annuities

Secure Income for the Rest of Your Life

No minimums — all budgets welcome. Start building guaranteed retirement income today.

What Is an Annuity?

An annuity is a contract between you and an insurance company designed to help you accumulate savings and convert them into a reliable income stream — one you can never outlive.

Whether you're years away from retirement or ready to start drawing income now, we offer every type of annuity to match your timeline, risk tolerance, and financial goals.

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Financial advisor reviewing retirement annuity plan with clients

Types of Annuities We Offer

1

Fixed Annuities

Earn a guaranteed interest rate on your premium. Predictable, stable growth with no exposure to market volatility — ideal for conservative savers.

2

Indexed Annuities

Growth linked to a market index like the S&P 500, with a floor that protects your principal from losses. Upside potential without the downside risk.

3

Variable Annuities

Invest in sub-accounts similar to mutual funds for higher growth potential. Best suited for those comfortable with market fluctuations and a longer time horizon.

4

Income / Immediate Annuities

Convert a lump sum into guaranteed monthly payments that begin right away — perfect for retirees who need income now.

Why Choose an Annuity?

Tax-Deferred Growth

Your money grows without being taxed until you withdraw it, allowing your savings to compound faster over time.

Guaranteed Lifetime Income

Choose a payout option that ensures you receive income for as long as you live — no matter how long that is.

Principal Protection

Fixed and indexed annuities protect your original investment from market downturns, so you never lose what you put in.

Flexible Payout Options

Receive income monthly, quarterly, or annually. Choose a fixed period, lifetime, or joint-and-survivor option for a spouse.

No Market Risk

With fixed and indexed products, your retirement savings are shielded from stock market volatility and economic uncertainty.

Request an Annuity Consultation

No minimums. All budgets welcome. We'll match you with the right plan.

Ready to Plan Your Retirement Income?

No minimums. No pressure. Just a conversation about your future.

(800) 555-0100Get a Free Quote