A paycheck in retirement
Some annuities can pay income for a set number of years or for as long as you live, based on the contract terms.
Safe-money retirement income · Visalia · Tulare · Exeter
Retirement income you can plan around, explained plainly.
An annuity is an insurance contract that can turn savings into a stream of income. We help Visalia, Tulare and Exeter residents understand how annuities work, including the trade-offs, before deciding anything.
Book your free 20-minute coverage review
Free and no obligation.
Or call Roy directly
(559) 571-2525Roy Bryant | Big Time Insurance Agency | CA Lic. #4252813 | Agency Lic. #6016563
Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Not tax or legal advice. Roy Bryant is a licensed insurance agent, not a securities representative.
- Independent, not captive
- Local to Visalia, Tulare & Exeter
- Plain-English answers
- No pressure, no obligation
What an annuity can do
Income you can count on, within the terms of the contract
Annuities are not right for everyone. For some people nearing or in retirement, they can be one piece of a steady income plan.
Less exposure to market swings
Fixed and fixed indexed annuities credit interest under contract terms rather than investing directly in the stock market.
Tax-deferred growth
Earnings generally grow tax-deferred until withdrawn. Talk with a tax professional about your situation. Not tax or legal advice.
Independent comparison
We compare options across insurance companies so you are not limited to one product.
Plain-English explanations
We explain how each type works, what it costs to access your money early, and who it may suit.
Planning with your family in mind
Many annuities allow you to name beneficiaries. We walk through how that works for each contract.
Before you decide
The honest trade-offs
A good decision starts with the full picture. These are the questions we cover in every annuity conversation.
Access to your money is limited
Many annuities have a surrender period. Withdrawals above the contract’s free amount may be subject to surrender charges.
Taxes and early-withdrawal penalties
Withdrawals are generally taxed as income, and withdrawals before age 59½ may also incur an additional federal tax penalty. Not tax or legal advice.
Growth can be limited
Fixed indexed annuities may limit how much interest is credited. They are not direct investments in the market.
Backed by the issuing insurer
Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance contracts, not bank deposits.
How it works
Three simple steps
Quick review
In a free 20-minute call we look at your family, your finances and what would need to be covered.
See Good / Better / Best options
We lay out three coverage levels in plain English so you can compare and choose what fits.
Apply in one call
When you are ready, we complete the application with you in a single call.
Why neighbors choose an independent agent
Licensed, local, independent broker
Roy Bryant is a California-licensed insurance agent serving Visalia, Tulare and Exeter. He is not tied to a single insurance company, so the conversation starts with you, not a product.
Licensed in California
Check Roy’s license anytime on the California Department of Insurance website.
You pay nothing extra to work with an independent agent
Your coverage review is free, and working with an independent agent does not add to what you pay for a policy.
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Get started
Talk through your retirement income options
Pick a time that works for you. We will explain how annuities work, who they may suit and the trade-offs, with no obligation.
Prefer a call? Reach Roy directly:
(559) 571-2525Roy Bryant | Big Time Insurance Agency | CA Lic. #4252813 | Agency Lic. #6016563
Step 1 of 6Takes about a minute
Standard request form
Straight answers
Frequently asked questions
What is an annuity?
An annuity is a contract with an insurance company. You pay a premium, and the company agrees to credit interest and, if you choose, pay income according to the contract terms.
How does an annuity pay income?
Depending on the contract, income can start right away or later, and can last for a set period or for your lifetime. The amount depends on the contract, the company and your choices.
What are the downsides?
Annuities can have surrender charges, limits on withdrawals, taxes and possible early-withdrawal penalties before age 59½, and fees for optional features. They are long-term contracts and are not right for everyone.
Is my money at risk in the stock market?
Fixed and fixed indexed annuities do not invest directly in the market, and credited interest follows the contract terms. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
Are you a financial advisor?
No. Roy Bryant is a licensed insurance agent, not a securities representative. We do not sell securities or give investment, tax or legal advice. Not tax or legal advice.
What interest or income will I receive?
Credited interest and income amounts vary by company, contract and timing. We review current options with you during your free review so you can compare them side by side.
Can I name a beneficiary?
Most annuity contracts allow you to name beneficiaries. We explain how that works for each contract during your review.