Secure Your Retirement

Retirement income

Guaranteed income, tax-efficient growth, and retirement security, designed around your life by an independent expert who takes the time to understand it.

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Years of Experience
29+
Tailored Solutions
100%
Carrier Network
A+ Rated
Google Reviews
5.0

The Peach Insurance Difference

Four steps. One expert. Twenty-nine years.

No comparison engine, no call-center hand-off. The Life is Peachie process is how every annuity strategy gets built.

  1. 01 / Qualify

    Understand the situation

    Goals, time horizon, and how much guaranteed income you actually need.

  2. 02 / Design

    Shape the strategy

    Carrier knowledge into a customized income and tax plan.

  3. 03 / Place

    Implement the contract

    We work the application on your behalf and explain every feature.

  4. 04 / Steward

    Support over time

    Reviews and advisor coordination as retirement evolves.

A Primer

What is an annuity?

An insurance contract that turns savings into income you can't outlive, with the tax treatment working in your favor along the way.

Guarantees

What it offers

  • Guaranteed lifetime income
  • Tax-deferred growth potential
  • Principal protection options
  • Insulation from market volatility
  • Death benefits for beneficiaries
  • Long-term care benefit riders

Strategy

How people use them

  • A personal pension for retirement
  • Reducing Required Minimum Distributions
  • A guaranteed floor under essential expenses
  • Tax-efficient legacy and wealth transfer
  • Protection against outliving your savings

Many choices, depending on when you want income and how much certainty you need.

Fixed

Guaranteed interest rate and predictable payments, with principal protection.

Indexed

Returns track a market index with a guaranteed floor against losses.

Immediate

Convert a lump sum into guaranteed income that starts right away.

Deferred

Tax-deferred growth now, with income payments beginning at a later date.

QLAC

Defers RMDs inside qualified accounts for guaranteed income later in life.

Not an investment.An annuity trades liquidity and upside for guarantees. It works best as one piece of a retirement plan, not the whole thing, and we'll tell you when it isn't the right fit. We match the structure to your retirement timeline, income needs, and risk tolerance.

Why Annuities Matter

Three retirement risks other products struggle to solve on their own.

Longevity protection

Guaranteed income that keeps arriving for as long as you live, however long that turns out to be.

Planning to 95 is prudent, not pessimistic.

1 in 4

of 65-year-olds today will live past 90, and 1 in 10 past 95.

Market protection

A portion of retirement income that doesn't flinch when the market falls in the years it matters most.

Sequence-of-returns risk hits hardest in the first retirement years.

8–10

significant market corrections the average retiree will live through.

Income confidence

A guaranteed floor under your essential expenses turns market noise into background noise.

Retirees with guaranteed income consistently report less financial stress.

42%

of workers have actually calculated how much they need to retire.

Casework — 04 files

Real problems, specific answers.

Each story below is one retirement situation we worked through, in the order we worked through them.

25+ Years matching clients to the right carriers, by hand.
No. 01 RMD strategy

Cutting RMDs for a pre-retiree

Large Required Minimum Distributions threatened to push a 68-year-old into a higher tax bracket throughout retirement.

A product deferred $400,000 to age 83, reducing taxable income by roughly $16,000 a year while building guaranteed income for when other assets might run thin.

No. 02 Legacy

Tax-efficient legacy for a high net worth couple

Maximize inheritance for children while minimizing tax on accumulated investment gains.

A multi-generational annuity strategy transferred existing non-qualified gains tax-free with stretch provisions for heirs, preserving an estimated $280,000 in potential tax liabilities.

No. 03 Guaranteed income

A personal pension for a retired educator

Worried market volatility and longevity would erode income after pension and Social Security.

A laddered income annuity complemented existing pension benefits and established a personal pension floor covering essential expenses regardless of market performance.

No. 04 Care planning

Long-term care without 'use it or lose it'

Wanted long-term care protection without the forfeit-if-unused worry of traditional LTC insurance.

An indexed annuity with enhanced long-term care benefits tripled the account value for qualified care expenses, creating a multi-purpose asset with growth and guaranteed income options.

What Our Clients Say

The annuity strategy Peach Insurance designed has completely transformed our retirement confidence. We now have guaranteed income that covers our essential expenses, allowing us to enjoy retirement without constant worry about market fluctuations or outliving our savings.

Richard and Janet L.
Retired Professionals

I was extremely skeptical of annuities based on negative things I'd heard, but Peach Insurance patiently educated me on how they could be used strategically within my portfolio. Their approach wasn't pushy, they simply showed me how specific annuity features solved my particular retirement concerns.

Thomas K.
Retired Engineer

As a fee-only financial advisor, I'm selective about insurance professionals I refer clients to. Peach Insurance has consistently impressed me with creative annuity solutions that complement rather than compete with my investment strategies. Their educational approach and emphasis on appropriate product usage aligns perfectly with my fiduciary philosophy.

Amanda J.
Certified Financial Planner

Frequently asked.

Six answers, ranked by what people ask first.

01 / What are the differences between annuity types?
Annuities vary in structure and benefits. Fixed annuities offer guaranteed interest rates and predictable income. Indexed annuities link returns to market indexes with downside protection. Immediate annuities start paying income right away, while deferred annuities accumulate value for future income. Each type serves different retirement planning objectives and risk tolerance levels.
02 / How do surrender periods and fees work with annuities?
Surrender periods typically range from 3-10 years, during which withdrawals above a certain percentage (often 10%) incur surrender charges. These charges generally decline annually. Other potential fees include mortality and expense charges and administration fees. Our 29+ years of expertise allows us to identify products with competitive fee structures aligned with your specific needs.
03 / Can I access my money in an annuity if I need it?
Yes, most annuities allow penalty-free withdrawals of 10% annually during the surrender period. They also typically provide full liquidity for qualifying events like nursing home care or terminal illness. Required Minimum Distributions (RMDs) from qualified annuities are also penalty-free. Our approach focuses on maintaining appropriate liquidity while balancing the benefits of long-term annuity planning.
04 / How are annuities taxed when I take withdrawals?
For qualified annuities (IRA/401k funded), withdrawals are generally taxed as ordinary income. For non-qualified annuities (after-tax money), only earnings are taxable, with principal returned tax-free under the exclusion ratio. Withdrawals before age 59½ may incur a 10% federal tax penalty. We coordinate with your tax professionals to implement tax-efficient withdrawal strategies tailored to your situation.
05 / What happens to my annuity when I die?
Annuities offer various death benefit options to protect your beneficiaries. Most deferred annuities provide at least the account value or initial premium to beneficiaries. Many offer enhanced death benefits for additional cost. Immediate annuities can include period certain guarantees or joint-and-survivor options to ensure continued payments to a spouse or beneficiary. We help customize these features to align with your broader legacy planning goals.
06 / Are annuities a good investment?
Annuities aren't traditional investments but rather insurance products designed for specific retirement planning objectives. They excel at providing guaranteed lifetime income, principal protection, and tax-deferred growth. Their value depends on your individual goals, time horizon, and need for guaranteed income. We help evaluate whether annuities are appropriate within your comprehensive financial plan rather than viewing them in isolation.
One next step

Income you can count on, without the pressure.

A thirty minute conversation with Peachie. Plain language, no quotas, no follow-up calls.

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