Enhancing Retirement Income with Annuities

Congratulations! You’re in the home stretch toward retiring! Securing a comfortable and satisfying retirement is your focus. You’re thinking about how much income your retirement savings need to produce. As a baseline, you want to create enough cash every month to:

 Pay all your bills
 Meet your spending needs

Most important, you want that cash flow to continue for as long as you live. We’re here to help.

Guaranteed income starts with IncomePoint.

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Annuities involve a series of regular payments made over a set period of time.Annuities involve a series of regular payments made over a set period of time.
Pre-retiree couple researching annuities on computer

Guaranteed Lifetime Income Makes a Difference

Is retirement near? There may be a certain age to which you expect to live. Keep in mind though, life expectancy is an average. About half of retirees live longer.

So, retirement portfolios may encounter shortfalls. Investment values may go up and down. Making adjustments – such as spending less or saving more – can be hard.

To pay bills, you may need to draw more from investments and savings. That could continue until little is left.

An income annuity can help. It provides guaranteed lifetime income to cover expenses and help offset longevity and investment risks. That could help create confidence for your future.

Why Western & Southern?

When it comes to planning your finances, you want a company you can feel confident about.
Fortune Accolade F500 70th

Proud Member of the Fortune 500® List1

As one of the world’s strongest life insurance companies, we are here for you for every stage of life to help you get to where you want to go in life.
Established in 1888

Rich Heritage

We have been serving families and businesses just like yours with our diverse range of life insurance, annuities and investments.
BBB Accredited Business

A+ Better Business Bureau Rating

We are committed to faithfully honoring our promises today, tomorrow and always.

Want to Learn More?

What's a SPIA?

Watch a short and simple video about immediate annuities.

 What's a SPIA? (VIDEO)

Enjoy Your Retirement Income

Explore more retirement income strategies and solutions.

 Retirement Income Matters (PDF)

Retirement Income Worksheet

See how much income you may need in a few quick clicks.

 Retirement Income Worksheet (PDF)

Strength Matters for a Confident Future

As you choose to receive retirement income from an annuity, keep in mind that you may depend on that income for years ... even decades. So company strength, stability and staying power truly matter.

Our annuity benefits are backed by the claims-paying ability of issuing companies that are part of the Western & Southern Financial Group. In upholding its relationships and responsibilities, Western & Southern draws on its:

High independent analyst ratings for financial strength and service
U.S. owned and operated heritage dating to 1888
Commitment to always maintaining a customer-first focus
Family of insurance and financial services subsidiaries specializing in protecting the wealth and well-being of individuals, families and businesses

1 From Fortune ©2024 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune 500 are registered trademarks of Fortune Media IP Limited and are used under license. Fortune and Fortune Media IP Limited are not affiliated with, and do not endorse the products or services of Western & Southern Financial Group.

Single Premium Immediate Annuity Group Contract series ENT-08 2207 issued by Western-Southern Life Assurance Company and ENT-08 2207 NY issued by National Integrity Life Insurance Company.

Payment of benefits under the annuity contract is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company. Earnings and pre-tax payments are subject to income tax at withdrawal. Withdrawals may be subject to charges. Withdrawals from an annuity are subject to ordinary income tax, and, if taken before age 59 ½ may be subject to 10% IRS penalty. An annuity is a long-term financial vehicle designed for retirement. An insurance company accepts premiums and provides future income or a lump-sum amount to the contract owner by contractual agreement. An immediate annuity is permanent. Owner has no access to premium, which converts to an income payout stream. There is no cash value, no death benefit and the annuity can’t be surrendered. Contract terms, such as payment amount and frequency, cannot be changed, unless commutation is available and elected. An immediate annuity should not be purchased if access may be needed to any of the premium for living expenses or other purposes.

Annuity products are not bank products, are not a deposit, are not insured by the FDIC, nor any other federal entity, have no bank guarantee, and may lose value.