Annuities

Plan Confidently for Retirement with Annuities

Annuities from Heritage One Insurance are designed to protect and grow your retirement income so you can do more of what matters most in the years ahead.

What Is an Annuity?

An annuity is a contract with an insurance company that offers a combination of growth potential, downside protection, and, in many cases, guaranteed lifetime income. Whether you’re preparing for retirement or already retired, an annuity can help you:

Save and grow your retirement money
Mitigate market risk
Receive a steady stream of income—for life

Our annuities are only available through licensed financial professionals.

Common Types of Annuities

There are several annuity types designed to support different retirement strategies:

Index-Linked Annuities Participate in potential market growth up to a cap, with protection against losses beyond a certain level.
Variable Annuities Choose from a variety of investments with growth potential and optional income guarantees (fees apply).
Fixed Indexed Annuities Protect your principal while earning interest based on a market index.
Fixed Annuities Offer guaranteed interest rates and principal protection—without market exposure.
Income Annuities Provide predictable payments for life or a set time period. Payments can start immediately or in the future.

Why Choose an Annuity?

Annuities can address major retirement concerns:

Longevity Risk: “Outlive your savings?”
Some annuities guarantee income for life.
Market Volatility:
Shield part of your portfolio while still participating in market growth.
Income Replacement: “Without a pension?”
Use annuities to build steady, supplemental income.
Rising Healthcare Costs:
Monthly income can support health-related expenses not covered by Medicare.

Did You Know?

Other than Social Security and pensions, annuities are one of the few financial products that can offer guaranteed lifetime income.¹

Heritage One Annuity Solutions

Index-Linked Annuity

SecureShield Annuity

Participate in market upside with built-in protection against downturns. No annual fees.²

Learn More About SecureShield

Fixed Annuity

Heritage Fixed Rate Annuity

Lock in steady, predictable growth at guaranteed interest rates with zero market risk.

Learn More About Fixed Rate Annuity

Income Annuity

Heritage Income Stream Annuity

Get guaranteed payments for life or a defined period—starting now or in the future.

Learn More About Income Stream Annuity

Working with a Professional

Annuities from Heritage One can only be purchased through a financial professional. To start the conversation, consider asking:

What sources of income will support my retirement?
Will my current plan cover essential expenses?
What annuity products complement my existing portfolio?

Why Heritage One? Trusted by families nationwide and backed by years of financial strength, Heritage One Insurance is committed to helping Americans retire with dignity and peace of mind.