Get top rates See highest annuity rates now

The easy, informed way to research Annuities

Justin Seitz is Co-Owner of The Legacy Council, an A+ rated Better Business Bureau accredited advisory firm located in Loveland, OH. Justin is an expert in Indexed Annuities, Fixed Annuities, Immediate Annuities and Hybrid Annuities with Long Term Care benefits. He provides his clients safety and security by helping to create a guaranteed lifetime income with no volatility or risk to the market and is happy to say he has never lost a dime of his clients' money due to market loss. Justin is a member of the National Ethics Association and is Certified Background Checked.

— Justin Seitz, Annuity Expert

New York Life
Reliance Standard
Great American
Integrity Life
Review Annuity Rates
Complimentary, Quick & Easy without any obligation
We guarantee 100% privacy

By providing your information you may be contacted for a discussion of insurance and annuity products

What is an annuity?

How annuities help you retire

Annuities can help ensure a retirement strategy and income that lasts as long as you do, which is likely to be a very long time.

  • Tax-Deferred Growth

    In general, during the accumulation phase of an annuity contract, your earnings grow tax-deferred. You pay taxes only when you start taking withdrawals from the annuity.

  • Predictable Income For Life

    Income riders may be an effective vehicle for lasting financial security. When paired with the right annuity, an income rider can provide a steady income stream for the rest of your life.

  • Death Benefits For Heirs

    The owner can designate a beneficiary to inherit the remaining annuity payments after death. After an annuitant dies, insurance companies distribute any remaining payments to beneficiaries.

  • Certain level of guarantee

    You know what your rate of return will be for a certain period of time with the fixed annuities. For seniors looking for a predictable income stream, that may be a better alternative than putting money into equities.

What type of annuity is right for you?

Your personal goals, objectives and risk tolerance will determine the type of annuity that is right for you.

Fixed Index Annuities

A form of fixed annuity that earns interest due to changes in a market index, where the growth is bench-marked to a stock market index rather than an interest rate.

  • Full protection of principal

    FIAs are protected from the volatility of the markets. Your money is never in the stock market. Your crediting strategy tracks the stock market, but you don’t own securities that can fall in value.

  • Can potentially provide better rates than CDs

    From the 1999 to 2010 many fixed index annuities have actually outperformed the indexes they were correlated with. However, they really aren't designed to outperform the stock markets even though they do at times.

  • Efficient way to plan for future income needs

    Once you annuitize it with lifetime payout option or turn on the income rider payouts, you cannot outlive that income stream.

Top rates for S&P 500 annual point-to-point accounts with cap
Great American
Top guaranteed monthly lifetime payouts from an income rider
Investors Heritage
Assuming male, $100,000 premium, issue age 55 and commencing at age 65.

Traditional Fixed Annuities

Fixed annuities are insurance contracts that pay a guaranteed rate of interest on the account owner's contributions.

  • Predictable investment returns

    The rates on fixed annuities are derived from the yield that the life insurance company generates from its investment portfolio, which is invested primarily in high-quality corporate and government bonds.

  • Guaranteed minimum rates

    Once the initial guarantee period in the contract expires, the insurer can adjust the rate based on a stated formula or on the yield it is earning on its investment portfolio. As a measure of protection against declining interest rates, fixed annuity contracts typically include a minimum rate guarantee.

Current yield to surrender is shown for corresponding surrender period
3 yrs
4 yrs
5 yrs
7 yrs
Forethought Global Atlantic
9 yrs
Sons of Norway
10 yrs

Multi-Year Guaranteed Annuities

A multi-year guaranteed annuity, or MYGA, offers a predetermined and contractually guaranteed interest rate for a fixed period of time.

  • Less risk

    Since a MYGA offers a guaranteed interest rate for the entire contracted term, it’s considered a less risky investment than a variable or indexed annuity.

  • Flexibility and liquidity

    The ability to take partial withdrawals yearly without a penalty affords flexibility. For example, if you need money to cover a large medical bill you could pull it out of your MYGA, which might be a preferable option to taking money from an IRA or getting a 401(k) loan.

Guaranteed yield to surrender is shown for corresponding surrender period
American Life
3 yrs
4 yrs
American Life
5 yrs
Canvas Annuity
7 yrs
Farmers Life
9 yrs
10 yrs

Justin Seitz

Independent Insurance Agent
License 951073
Ohio, Kentucky, Indiana, Missouri, South Carolina, Florida, Iowa


1376 State Route 28 Suite 1B

Loveland, OH, 45140

Phone number
(513) 377-0228

Get complimentary annuity reports

Explore the annuity options and rates available for you!

  • Highly rated annuity companies
  • Backtested performance report
  • Guaranteed lifetime income report
  • Inflation protection features
  • Death benefit analysis

Advisory services offered through The Legacy Council. Information provided is not intended as tax or legal advice, and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional. Any guarantees mentioned are backed by the claims paying ability of the issuing insurance company. Neither Justin Seitz nor The Legacy Council are affiliated with Social Security, Medicare or any local or federal government agency.

Annuity products are offered through independent licensed insurance agents. Product availability, features and rates may vary by state. This information does not represent a recommendation or advice specific to your situation. The annuity information provided comes from sources deemed to be reliable but cannot be guaranteed. Check with the annuity company for current product information, and review all annuity rates, terms, conditions and costs before making a purchasing decision. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing company.

© 2020 Justin Seitz. All rights reserved.