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Income Annuity

Turn a Portion of Your Savings into Steady, Lifetime Income

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A Retirement Plan That Pays You Back

When you’re ready to enjoy the life you’ve worked for, an Income Annuity can provide the reliable cash flow you need to maintain it — now and for the long run. It’s designed to help cover essential expenses while giving you the peace of mind that market shifts won’t affect your monthly income.

Why Choose an Income Annuity?
Permanent source of retirement income
Immediate & Predictable Payouts

With a single premium payment, you can start receiving income right away — predictable, stable, and unaffected by market conditions.

Protection with growth opportunities
Helps Cover Everyday Expenses

Use it to support your daily lifestyle, travel goals, or healthcare needs in retirement.

Priced to maximize investment
Income for Life — Yours or Shared

Customize your annuity to continue payments for your lifetime or for both you and a loved one.

Benefits Built Around Your Needs

Stable Income

Choose to convert a portion of your assets into a guaranteed stream of income that doesn't fluctuate with the market. Perfect for creating a dependable retirement paycheck. Whether you're spending time with family or discovering new hobbies, it's easier to enjoy retirement when your income feels steady.

Design & Customize Your Strategy

You’re in control. Choose from different payout options that suit your retirement priorities:

Highest Income –
Maximize monthly payments

Legacy Planning –
Leave income for loved ones

Dual Lifetime –
Share income with a spouse or partner

Increasing Income Option

Combat inflation with a built-in yearly raise to your income stream.¹

Early Access Option

Life can surprise you — gain access to a portion of your future income during your annuity's liquidity period.² ³

Unlike pensions, your income annuity can flex with your needs. From customizing payouts to built-in inflation protection, you can design a retirement that actually fits your life.

Want to See How It Works?

Try our [Annuity Income Calculator] to estimate how much monthly income you could generate from your savings.

Let’s Make the Future Feel Secure

Talk to your financial professional about how a Heritage One Income Annuity could fit into your long-term plan.

At Heritage One Insurance, we help families convert uncertainty into stability — with products designed to protect what matters most.

Heritage One Income Annuities are issued by Heritage One Life Insurance Company. All product guarantees are backed by the financial strength and claims-paying ability of the issuing company.