Why choose an annuity?

A secure course to retirement income.

What is an annuity?

An annuity is a financial product designed to help you grow and protect your retirement savings. It’s a contract between you and an insurance company, where you provide funds in exchange for a secure way to accumulate interest and, if you choose, receive steady income in the future.

Annuities are designed to offer stability, predictable returns, and financial security—helping you navigate retirement with confidence.

How do annuities work?

AN ANNUITY HAS THREE KEY PHASES:

1. PROVIDE FUNDS

You pay a premium, either in the form of a one-time lump sum payment or a series of payments (depending on the type of annuity). This money is your principal, and it grows tax-deferred inside the annuity.

2. GROWTH

During the accumulation period, your annuity earns interest at a guaranteed rate or through a selected crediting strategy, allowing your savings to grow over time. Unlike some other investments, annuities are protected from market downturns, so your principal remains secure.

3. PAYOUT

When you’re ready, you have two choices:

A) Covert your annuity into payments for the rest of your life or a set period.

B) Convert your annuity into a lump sum payment.

Why consider an annuity?

Annuities are a valuable tool for retirement planning, offering:

Principal Protection

Your principal is shielded from market downturns.

Income Flexibility

Choose how and when you receive payments.

Tax-Deferred Growth

Your taxable income begins when you make a withdrawal from your annuity.

Peace of Mind

Secure a steady, reliable income stream for the future.

Chart your course with a Knighthead Life annuity.

At Knighthead Life, we design straightforward, reliable annuity solutions to help you take control of your financial future.

INTRODUCING OUR MYGA, STAYSAIL.

Staysail is a multi-year guaranteed annuity (MYGA) designed to help you protect and grow your savings. Staysail offers a fixed, guaranteed interest rate for a set period—typically 3, 5, or 7 years. It provides steady, predictable growth, making it a great option for those who want certainty and stability in their retirement savings.