"Quick response, answered all my questions and didn’t pressure me. I got the package I really wanted at a price that works with my budget.”
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Calculate Your Monthly Income for Life
Turn your retirement savings into a monthly paycheck, with no market downside.
4.9 Excellent, 7,800+ reviews)
"Easy and painless. I called to check a couple of questions and the rep was courteous and very helpful.”
The process was very user friendly and my agent was very informative.”
Why choose a guaranteed income annuity?
Monthly lifetime income
100% principal protection
Retirement growth without market downside
Turn your nest egg into a monthly paycheck
Guaranteed payments with no exposure to market drops
See How You Can Put Your Savings To Work.
Every Year. For Life.
Instant Income annuities
Your savings become a paycheck — starting right away, for as long as you live.
Fixed Growth annuities
Your money grows at a guaranteed rate — no market swings, no surprises, no tax bill until you're ready.
Market-Index Growth annuities
Earn returns tied to the market — your gains go up, but your savings are protected if it drops.
For illustration purpose only. Amounts vary by product.
Built on Trust and Experience
We only work with top-rated carriers, so you can count on guaranteed payments for life, backed by some of the strongest insurers in the industry.
Families protected
Over 700,000 families are protected through Ethos
Top-rated insurers
Over $150B in life insurance coverage sold through top-rated insurers
Top-rated carriers
Ethos only works with top rated carriers
Your Questions, Answered
How do meetings with Ethos experts work?+
They’re simple and on your schedule. You’ll meet one-on-one with a licensed Ethos annuity specialist by phone or video. They’ll explain your options in plain language, answer your questions, and help you decide if an annuity fits your retirement plan.
Are there hidden fees to use Ethos?+
No. There are no hidden fees or charges from Ethos. Ethos is compensated by the insurance company and each insurance company charges fees to manage the contract.
Are payments really guaranteed?+
Annuity payments are backed by the issuing insurance company’s financial strength and claims-paying ability.
What about taxes?+
Annuities generally grow tax-deferred, meaning you won’t pay taxes on earnings until you withdraw money.
Can I get access to my money if I need it?+
Yes, but with some limits. Most annuities allow a portion of your funds to be withdrawn each year without surrender charges.
Can I fund the annuity with money in my 401k?+
Yes. Many retirees use funds from a 401(k) or IRA to purchase an annuity.
Turn a lump sum into income that starts right away
Get consistent monthly payments with limited market exposure
Calculate My Income Now ➝