Annuities

Annuity Solutions for Retirement

Looking for long-term income? Annuities can provide peace of mind. Annuities offer a pension-like income stream and help protect retirees from running out of money—even during long retirements or market downturns. At Proactiv Wealth, we educate you on how annuities work, their pros and cons, and whether one belongs in your retirement strategy. No pressure, just clarity.

Why Consider an Annuity?

Annuities can provide lifetime guaranteed income, protect part of your savings from market volatility, and help prevent the risk of outliving your retirement assets. By shifting risk to a reputable insurance company, annuities allow you to create predictable, steady income for essential expenses.


You may benefit from an annuity if you want a portion of your retirement income to feel as reliable as a paycheck—or if you prefer conservative options that offer stability and protection.

Types of Annuities We Offer

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Fixed Annuities

CD-like annuities that pay a guaranteed interest rate for a set term.
 Pros: Guaranteed rate, principal protection
 Cons: Lower potential growth

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Fixed Index Annuities

Earn interest based on a market index (e.g., S&P 500) with zero downside risk.
Pros: No market losses, principal protection, growth potential
Cons: Interest caps and participation limits

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Variable Annuities (If Appropriate)

Market-based annuities with investment subaccounts; can include optional riders.
Pros: Growth potential, optional income or death benefit riders
Cons: Market risk, higher fees, greater complexity

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Immediate Annuities (Income Annuities)

Turn a lump sum into payments that begin immediately—similar to a personal pension.
Pros: Reliable lifetime income, simple structure
Cons: Less liquidity once payments begin

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Deferred Income Annuities (Longevity Annuities)

Start income later in life, often at age 75–80, providing higher payouts as longevity protection.
Pros: Higher future income, strong longevity insurance
Cons: Income begins later, limited liquidity

Our Annuity Process

-No Pressure, Just Guidance

Choosing an annuity doesn't have to be confusing. We help you evaluate whether an annuity complements your retirement plan and fits your comfort with risk and liquidity.

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Shopping the Market

As independent advisors, we compare annuity rates and products from multiple top-rated insurance carriers to find competitive options tailored to your needs.

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Explaining the Details

We review surrender periods, fees, income riders, payout options, and contract terms in plain language so you fully understand how an annuity works.

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Seamless Implementation

If you decide an annuity is right for you, we manage the paperwork, coordinate with the insurer, and integrate the annuity into your broader retirement plan. You’ll also have access to online contract information and ongoing review meetings.

Our approach is educational and transparent—never high-pressure.

Get Started

Request an Annuity Quote

Curious what kind of guaranteed income an annuity could provide? Request a free, no-obligation annuity quote from Proactiv Wealth and compare options tailored to your retirement goals. You can submit a request through our website or call us directly to speak with an advisor.


Or call (715) 854-3246 to talk with an advisor about annuity options in Wisconsin.

  • Do annuities have fees?

    Fixed and index annuities typically have no direct fees. Variable annuities have management fees, and income or long-term care riders may add costs. We disclose all fees upfront so you know exactly what you’re paying for.

  • What happens to my money if I die early?

    Most annuities offer beneficiary options—such as death benefits or period-certain payments—so remaining funds or payments go to your heirs. We help structure your contract to fit your wishes.

  • How do you determine if an annuity is right for me?

    We run a retirement income analysis. If you have an income gap, value guaranteed income, or prefer conservative options, an annuity may fit. If liquidity or flexibility is a priority, we avoid recommending one.

  • Can I get an annuity quote or see rates?

    Yes. We provide free annuity quotes. With your age, deposit amount, and goals, we generate competitive rate comparisons from top insurers.

  • Are annuities safe?

    Annuities are backed by the financial strength of the issuing insurance company. We only work with highly rated carriers. Wisconsin also maintains a State Guaranty Association that provides protection up to certain limits. When investing larger amounts, we diversify contracts to stay within protected levels.