Retirement Income You Won't Outlive

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 all of your questions, and help you decide if an annuity fits your retirement plan. There’s no cost and no obligation.

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. Transparency is core to how we operate.

Annuity payments are backed by the issuing insurance company’s financial strength and claims-paying ability. We only work with highly rated carriers to offer income options designed for reliability, so you can be confident that your income stream is secure.

Annuities generally grow tax-deferred, meaning you won’t pay taxes on earnings until you withdraw money. When you take income, earnings are generally taxed as ordinary income. Everyone’s situation is unique, so we recommend talking with a tax professional about your specific case.

Yes, but with some limits. Most annuities allow a portion of your funds to be withdrawn each year without surrender charges. Larger withdrawals or early withdrawals may be subject to surrender charges and, in some cases, tax penalties. Your Ethos expert will walk you through the details for any product you’re considering.

Yes. Many retirees use funds from a 401(k) or IRA to purchase an annuity. Our team can guide you through the rollover or transfer process to help make it smooth and compliant with IRS rules.