Disclosures
Draft. Have an insurance attorney review before launch.
Who we are
Annuity Brothers LLC is based in Arizona. Add: license status, license numbers, licensed states, and how Annuity Brothers is paid (commission, referral fee, or both). Annuity products are offered only through licensed insurance professionals, and only in states where they are licensed.
What an annuity is and is not
An annuity is an insurance contract. It is not a bank deposit, is not FDIC insured and is not guaranteed by any government agency. All guarantees, including lifetime income, are backed only by the financial strength and claims-paying ability of the insurance company that issues the contract.
Annuities are long-term products. Many carry surrender charges if you withdraw more than a set amount in the early years, and some carry fees or market value adjustments. The terms differ from one contract to the next, so read the contract and the disclosure documents before you buy.
Withdrawals of taxable amounts are subject to ordinary income tax. Withdrawals before age 59½ may also be subject to a 10% federal tax penalty.
Where the numbers on this site come from
The calculator and the online questions are education tools. They estimate how much savings it could take to produce a given monthly income for life.
The estimate assumes a lifetime income annuity pays between 7% and 8.5% of the purchase amount each year. That range is drawn from published quotes for single-premium immediate annuities, life only, for ages 60 to 70, as of October 2026: roughly $640 to $770 a month for every $100,000. It is one general range for everyone. It does not adjust for your age, sex, state, start date or the options you choose.
These figures are not quotes, offers or recommendations. Rates change. Your real income depends on your age, the insurance company, the options you choose and rates on the day you buy. A licensed producer should confirm this range, and ideally replace it with live quotes.
Not advice
Nothing on this site is investment, tax or legal advice. Talk with your own tax or legal adviser about your situation.
No government affiliation
Annuity Brothers is not affiliated with, endorsed by or approved by the Social Security Administration, Medicare or any other government agency.