Â鶹´«Ã½

Discover financial solutions that protect your future and provide peace of mind. Whether you're exploring annuities, life insurance, or understanding employee benefits through your workplace, Â鶹´«Ã½ offers resources and products designed to meet your personal and family goals.

Support your workforce with innovative employee benefits and retirement solutions. Â鶹´«Ã½ partners with business owners, benefits administrators, and pension fund managers to create customized programs that attract and retain top talent while securing their financial future.

Simplify complex retirement and pension risk management with our tailored solutions for large organizations. Â鶹´«Ã½ specializes in working with institutions to address their unique challenges, offering expertise in pension de-risking and strategic retirement planning for a more secure future.

Empower your clients with confidence by leveraging Â鶹´«Ã½â€™s comprehensive portfolio of financial products. From annuities to life insurance, we provide the tools, resources, and support to help financial advisors and brokers deliver exceptional value and long-term results.

  • Individuals

    Discover financial solutions that protect your future and provide peace of mind. Whether you're exploring annuities, life insurance, or understanding employee benefits through your workplace, Â鶹´«Ã½ offers resources and products designed to meet your personal and family goals.

  • Employers

    Support your workforce with innovative employee benefits and retirement solutions. Â鶹´«Ã½ partners with business owners, benefits administrators, and pension fund managers to create customized programs that attract and retain top talent while securing their financial future.

  • Institutions

    Simplify complex retirement and pension risk management with our tailored solutions for large organizations. Â鶹´«Ã½ specializes in working with institutions to address their unique challenges, offering expertise in pension de-risking and strategic retirement planning for a more secure future.

  • Financial Professionals & Brokers

    Empower your clients with confidence by leveraging Â鶹´«Ã½â€™s comprehensive portfolio of financial products. From annuities to life insurance, we provide the tools, resources, and support to help financial advisors and brokers deliver exceptional value and long-term results.

Income Is the Outcome

Our goal is to partner with you to improve retirement outcomes for your participants. We also work with plan advisors who are exploring lifetime income solutions within the retirement plans they manage.

Explore our Solutions

Customizable solutions to help solve the growing retirement income need

Over 11,000 baby boomers are reaching retirement age every day.*

Help participants retire with confidence, whether that is:

  • Annuity solutions for participants at retirement.
  • Directly through the retirement plan provider as a stand-alone, opt-in income purchase.
  • Through innovative accumulation-based solutions through an asset/investment manager via an asset allocation structure (e.g., target date fund, managed account structure) that automatically allocates to a lifetime income asset class.

*The Alliance for Lifetime Income 2024 Protected Retirement Income and Planning (PRIP) annual study

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Income Solutions for those At-Retirement:

Â鶹´«Ã½time Income for Today

Single Premium Immediate Annuity - for those at retirement who need income now.Ìý

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Â鶹´«Ã½time Income for Tomorrow

Qualifying Longevity Annuity Contract - for those at retirement who need income later.

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Accumulation-based Income Solution for those Approaching Retirement:

Pacific Income Horizon

Deferred Income Annuity - for those approaching retirement who want to build income during their working years.

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The Power of... Tracking

The Power of...Ìýis a research series comprised of three white papers that provide compelling insights and actionable information by demonstrating the impact ofÌýtrackingÌýbehaviors,Ìýoptimism, andÌýimagination—three critical psychological drivers influencing retirement savings, health, and overall financial wellness.

The first paper in the series,ÌýThe Power of Tracking, presents research conducted in collaboration with Michael Finke, PhD, CFP®, and AGEIST.COM to help you understand how offering a lifetime income option may attract, motivate, and retain an engaged, optimistic workforce—ultimately driving positive outcomes for both plan sponsors and participants.

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Decoding Retirement:

Decoding Retirement: Key Insights Into Participant Preferences For Lifetime Income Options

This white paper discusses the landscape of how employer-sponsored plans have greatly changed over the past few decades. As the majority of the baby boomers with pension plans reach full social security benefits age and enter retirement, a new chapter of how future retirees receive retirement income is beginning.

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Â鶹´«Ã½ is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regardingÌýinsurance or investment products. Â鶹´«Ã½, its affiliates, its distributors, and respective representatives do not provide anyÌýemployer-sponsored qualified plan administrative services or impartial advice about investments and do not act in a fiduciaryÌýcapacity for any plan.

This material is provided for informational purposes only and should not be construed as investment, tax, or legal advice.Ìý

Information is based on current laws, which are subject to change at any time. Clients should consult with their accounting orÌýtax professionals for guidance regarding their specific financial situations.

Â鶹´«Ã½ refers to Â鶹´«Ã½ and its affiliates, including Â鶹´«Ã½ & Annuity Company. InsuranceÌýproducts can be issued in all states, except New York, by Â鶹´«Ã½ or Â鶹´«Ã½ & Annuity Company. InÌýNew York, insurance products are only issued by Â鶹´«Ã½ & Annuity Company. Product availability and features may vary byÌýstate. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.

The home office for Â鶹´«Ã½ & Annuity Company is located in Phoenix, Arizona. The home office for Â鶹´«Ã½ is located in Omaha, Nebraska.

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