Turn your savings into a paycheck that never stops.
A pension annuity converts a lump sum of your savings into a guaranteed monthly income for the rest of your life — one honest number, no fees, and your principal protected for your heirs by a cash-refund guarantee.
Your income in three steps
No paperwork and no phone number required to see your number — just the two things that decide it.
Tell us the basics
Your age, and how much of your savings you'd convert to income. That's it — nothing else is needed to price it.
See your guaranteed number
We compare current payouts from A-rated carriers and show the highest guaranteed monthly income for your inputs.
Lock it in when you're ready
Talk it through with a licensed professional — no pressure, no fees. The income you saw is the income you get.
What makes a pension annuity different
It's the opposite of the high-fee products annuities are famous for. One purpose: the most guaranteed income per dollar.
One honest number
Not a hypothetical or a projected return — a fixed monthly amount the insurer must pay you for life. The only number is the one you see.
No fees, ever
Unlike indexed or variable annuities, a pension annuity (SPIA) carries no annual fees or riders quietly eroding your money. Every dollar buys income.
Protected for your heirs
Every quote is life with a cash-refund guarantee: if you pass before payments repay your deposit, your beneficiary receives the difference.
Questions people ask first
Is the income really guaranteed for life?
Yes. A single premium immediate annuity (SPIA) converts a lump sum into a paycheck the insurer must pay for as long as you live — no market assumption, no "hypothetical" return. It's backed by the issuing carrier and your state's guaranty association.
What if I die early — do I lose the money?
No. Every quote here is life with cash refund: if you pass before the payments add back up to your original deposit, your beneficiary receives the difference as a lump sum.
Do I have to give my phone number to see a quote?
No. Seeing your number takes only your age and savings amount — no contact information required. You choose whether to speak with a licensed professional afterward.
See your guaranteed monthly income
One honest number, guaranteed for life. It takes about 15 seconds and asks nothing but your age and savings.
Get my quote →