For 401(k), IRA & Old Annuity Holders

Tired of your 401(k) riding the market rollercoaster?

Every time the market drops, your retirement balance drops with it. You can move some — or all — of it into a contract that can't lose money and locks in 5.75% guaranteed for 5 years. The IRS lets you do it tax-free. Most people never get told this option exists.

See My Guaranteed Rate → 📞 Call 401-287-2737

⏱️ Rates change weekly — today's 5.75% may not be there next month.

Locked-in rate today

5.75%

Guaranteed for 5 years. Zero market risk.

A-rated insurance carrier, multi-year guaranteed annuity (MYGA). Compare to the 1–2% sitting in most legacy contracts and the wild swings of an S&P-indexed 401(k).

If any of this sounds like you…

…we should talk. Most people in these situations are losing money every month and don't realize they have a way out.

😬 "I lost sleep the last time the market dropped."

If you're within 10 years of retirement, a single bad year can wipe out a decade of growth. There's no time to recover.

😴 "My old annuity has been paying me 2% for years."

Today's top contracts pay 5.75% guaranteed. Every year you stay in a stale contract is real income walking out the door.

🧾 "I want to move it but I'm scared of the tax hit."

A 1035 exchange (annuity to annuity) or direct rollover (401k/IRA to annuity) is 100% tax-free. The IRS literally wrote a rule for this.

What CAN be 1035-exchanged

  • Annuity → Annuity
  • Life insurance → Annuity
  • Life insurance → Life insurance
  • Life insurance → Long-term care (hybrid)

What CAN'T

  • Annuity → Life insurance (not allowed)
  • Roth/Traditional IRA swaps use different rollover rules
  • Can't pull cash "out" during a 1035 without triggering boot (taxable)

FAQ

Will I owe any tax on a 1035 exchange?+
No — that's the whole point. Section 1035 of the IRS code specifically permits a tax-free transfer between qualifying contracts. You don't take constructive receipt of funds, so gains stay deferred.
Are there surrender charges?+
Depends on your current contract. If you're past the surrender period, no. If you're inside it, we'll calculate whether the new rate beats the charge (often it does within 18–24 months).
What about my 401(k) or IRA?+
A 401(k) or IRA can be directly rolled into a qualified annuity without triggering tax. Different section of the code, same practical outcome. Common at retirement to convert a lump sum into guaranteed lifetime income.
How long does it take?+
Typically 2–6 weeks depending on your existing carrier's processing speed. Funds transfer carrier-to-carrier — you never touch them.

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