Why we built The Pension Annuity
If you've spent thirty years saving for retirement, you've been shown plenty of charts about growth. You've almost never been shown the one number that actually matters on the day you stop working: how much guaranteed income that money can pay you, for the rest of your life.
That gap is strange when you think about it. A pension used to answer this question automatically — you retired, and a check arrived every month until you died. Today most people retire with a 401(k) or an IRA instead: a pile of money, a lot of anxiety about making it last, and no obvious way to turn it into a dependable paycheck.
The answer already exists — it's just badly sold
There is a product that does exactly what an old pension did: a single premium immediate annuity, or what we simply call a pension annuity. You hand an insurance company a lump sum, and it guarantees you a fixed monthly income for life. No market risk, no fees skimming your balance, no guessing.
So why doesn't everyone know their number? Because the word "annuity" has been dragged through decades of high-fee, high-commission products that share almost nothing with a plain pension annuity except the name. The good version gets buried under the bad — and under sales scripts that want your phone number before they'll tell you anything.
What we wanted instead
We built The Pension Annuity to do one thing well: let you see your honest number in seconds, with nothing but your age and how much you'd convert. No contact form standing between you and the answer. No pressure. Just the highest guaranteed monthly income we can find for you across A-rated carriers, quoted as life with a cash-refund guarantee so your heirs are protected if you pass early.
If, after you see it, you want to talk to a licensed professional, that door is open — on your terms. And if you just want to know where you stand, that's completely fine too. The number is yours either way.