Annuities in Arizona — Guaranteed Income for Arizona Retirees

Fixed Index Annuity (FIA)

Earn interest linked to a market index (like the S&P 500) with a 0% floor — you participate in market gains but never lose principal to market declines.

• ✓Principal is never at risk
• ✓Interest credited on index performance
• ✓Tax-deferred accumulation
• ✓Optional lifetime income rider

Multi-Year Guaranteed (MYGA)

The annuity equivalent of a CD — lock in a guaranteed interest rate for 3, 5, or 7 years. Often outperforms bank CDs with the added benefit of tax deferral.

• ✓Guaranteed rate for the full term
• ✓Better rates than most bank CDs
• ✓Tax-deferred growth
• ✓Flexible terms: 3, 5, or 7 years

Income Annuity

Convert a lump sum into a guaranteed monthly paycheck for life — or for a specified period. Think of it as your personal pension.

• ✓Guaranteed income you can't outlive
• ✓Joint life options for couples
• ✓Predictable monthly income
• ✓Complements Social Security

No Arizona State Estate Tax

Arizona has no state estate tax, making it one of the most retiree-friendly states in the US. Annuities with named beneficiaries pass outside of probate entirely — your heirs receive the full value directly, quickly, and privately.

Community Property State — Couple Planning

Arizona is a community property state, meaning both spouses share ownership of assets acquired during marriage. Joint-life income annuities are especially popular here, ensuring income continues for a surviving spouse regardless of longevity.

Snowbird & Full-Time Retiree Demand

Arizona is one of the top retirement destinations in the US. With a massive retiree population and strong demand for guaranteed income, Fixed Index Annuities and Income Annuities are among the most in-demand financial products in the state.