Income You Can't Outlive.

Life insurance is designed to provide a death benefit to your beneficiaries when you pass away. An annuity is designed to provide income to YOU while you're alive — protecting against the risk of outliving your savings. Many retirees use both together for complete financial protection.

With Fixed and Fixed Indexed Annuities, your principal is protected — you cannot lose your original investment due to market performance. Fixed Indexed Annuities have a floor (usually 0%) that prevents losses even when the market drops. Surrender charges may apply if you withdraw funds early, so it's important to choose the right product for your timeline.

Annuities grow tax-deferred, meaning you don't pay taxes on earnings until you withdraw them. When you receive income payments, a portion may be taxable as ordinary income depending on whether the annuity was funded with pre-tax or after-tax dollars. Your Eterna agent can walk you through the tax implications for your specific situation.

Most annuities include a death benefit that passes the remaining value to your named beneficiaries — often without going through probate. Some products offer enhanced death benefits or guaranteed minimum payout options. The specifics depend on the product and carrier you choose.

Minimum premiums vary by carrier and product — some annuities start as low as $5,000 while others require $25,000 or more. Our agents will help you find products that match your budget and goals. There's no one-size-fits-all answer, which is why a personalized consultation makes all the difference.

Absolutely — and this is often the most powerful retirement strategy. An IUL builds tax-free cash value you can access during retirement, while an annuity provides a guaranteed income floor you can't outlive. Together they create a layered retirement income plan that is both flexible and secure. Your Eterna agent can help you design a strategy using both.

Yes — most annuities have minimum premium requirements that vary by carrier and product type. Fixed and Fixed Indexed Annuities typically start at $10,000–$25,000, while MYGAs can sometimes start as low as $5,000. On the upper end, some carriers cap single-premium contributions at $1–2 million without additional underwriting. There are no IRS contribution limits on non-qualified annuities (funded with after-tax money), which makes them attractive for high earners who've already maxed out their 401(k) and IRA. Our agents will match you with products that fit your specific budget.