Premier 72

    Annuities & Retirement Income

    Retirement Income Options Built Around Your Plan.

    An income annuity is one of the few tools designed to provide income for life. Used thoughtfully, it can sit alongside Social Security, pensions, retirement accounts, and savings to help address one specific risk: outliving your money. Annuities are not right for everyone. We help you decide whether, and how, one fits your plan.

    Who This Is For

    Built for clients with structured planning needs.

    Fixed, fixed indexed, and income annuities that may provide predictable retirement income, protection from market loss, and tax deferred accumulation, depending on the contract you choose.

    • Those approaching retirement who want to turn savings into dependable income
    • Retirees who want to protect principal while keeping some growth potential, with limits set by the contract
    • Savers who have maxed out retirement plan contributions and want more tax deferred options
    • People nearing or in retirement who want a fixed rate for a set number of years

    What This Is Built Around

    Structural components, not product pitches.

    Fixed Annuities (MYGA)

    A fixed interest rate for a set term. Surrender charges apply if you withdraw more than the contract allows.

    Fixed Indexed Annuities (FIA)

    Interest credited based partly on a market index, with protection from index losses. You are not invested in the market, and caps or participation rates limit growth.

    Income Annuities (SPIA / DIA)

    Income for life, starting now or at a later date, to help cover essential expenses in retirement.

    Guarantees are backed by the financial strength and claims paying ability of the issuing insurance company. Annuities are not bank deposits, are not FDIC insured, and are subject to surrender charges, fees, and state availability. Premier 72 does not offer variable annuities or other securities.

    What You Leave With

    A written, structured plan, not a sales pitch.

    A clear view of whether an annuity fits your plan, and which type
    Hypothetical income or accumulation scenarios from several carriers
    A written summary of fees, surrender terms, and tradeoffs in plain language
    Schedule an Annuity Strategy Review

    Explore the Other Pillars

    Each pillar is a focused planning area within the broader Premier 72 framework.

    Income

    Term, Whole Life, and Indexed Universal Life strategies for individuals, couples, and families, structured around your income, your obligations, and the people who matter to you.

    Keep the Business Operating When the Unexpected Happens.

    Key-person, buy-sell, and SBA-aligned coverage so your company keeps moving when an owner or critical contributor is lost.

    Transfer Wealth Efficiently

    Structured permanent insurance designed to move wealth efficiently to heirs, charities, and the institutions you care about.

    Cash Value Life Insurance as a Personal Financing Strategy.

    Permanent life insurance designed for cash value access and long term accumulation, a planning strategy sometimes called the Infinite Banking Concept. It is not a bank or bank account.