Your Specialist will call you personally to show you exactly how much income your $250,000 can generate
"Your Specialist found me $247/month more than my bank was offering. Took one phone call."
— Robert T., Louisiana resident
See how much you could receive every month for life
💡 Larger amounts typically qualify for better monthly rates
💡 Older ages receive higher monthly payments
🔒 No commitment required • Takes 60 seconds
Most people selling annuities are more focused on their commission than your retirement security.
Shows you quotes from 150+ companies (not just the highest-paying ones)
Tells you if this ISN'T right for you
Explains fees in plain English
No 47 follow-up calls if you say 'maybe later'
Education First. Sales Never.
No tricks. No pressure. Just a transparent process from a Louisiana-licensed specialist.
Age, investment amount, income needs, risk tolerance, and confirms you're a Louisiana resident (required by law)
Gets real quotes from companies licensed in Louisiana, compares features, checks ratings
No pressure, no confusion, just clear comparisons with state-specific details
Buy now, buy later, or don't buy. We're cool either way.
Your Specialist is licensed by the Louisiana Department of Insurance, which means she can only recommend products approved for Louisiana residents. You're protected by state oversight, bonding requirements, and the Louisiana insurance guaranty association.
They're not perfect. Here are the pros AND cons.
Your Specialist will help you decide if the PROS outweigh the CONS for YOUR situation.
Not all success stories. Just honest experiences.
"Your Specialist found me $247/month more than my credit union offered. Same investment, better company, higher payout."
"Your Specialist told me I was too young for an annuity. Recommended I wait 10 years. I appreciated the honesty."
"I was so confused by all the jargon. Your Specialist explained it like I was 5 years old. Finally made sense."
These are representative rates to show what's possible. Your exact rate will be determined when we shop all 150+ carriers for your specific situation.
| Term | Investment | Guaranteed Rate | Annual Growth | Company |
|---|---|---|---|---|
| 3 years | $100,000 | 5.15% | $5,150 | American National |
| 5 years | $250,000 | 5.45% | $13,625 | Athene |
| 7 years | $500,000 | 5.65% | $28,250 | American Equity |
| 10 years | $750,000 | 5.85% | $43,875 | F&G |
| 10 years | $1,000,000 | 6.00% | $60,000 | Aspida |
💡 Your Exact Rate Depends On:
Our specialists will find your personalized best rate by shopping all 150+ companies we work with.
Arm yourself with knowledge. These questions separate good advisors from salespeople.
If they say "We work with the best ones" = RED FLAG. You want someone shopping 100+ carriers.
Transparency matters. Higher commission ≠ better product for you. Honest advisors will tell you.
If they downplay this or say "don't worry about it" = RED FLAG. These can be 10-15% for 7-10 years.
Some annuities are terrible for heirs. Make sure you understand before signing.
NEVER buy same-day. Ever. Take it home, read it, sleep on it. Good advisors encourage this.
Your Specialist will answer ALL of these. And if she doesn't, email me: founder@annuityocean.com - I want to know.
Learn from others' mistakes. Don't make these.
If you're under 60, you probably shouldn't lock up your money yet. Keep it growing in the market.
Never put more than 30-40% of your assets in an annuity. You need liquidity for emergencies.
The first quote is NEVER the best. Always shop around. Rates can vary 20-30% between companies.
A fixed income sounds great until bread costs $10. Consider inflation riders or cost-of-living adjustments.
Check the insurance company's rating. A+ or better ONLY. Lower ratings = higher risk of default.
If they say "this rate expires today" - walk away. Good companies don't play games.
When you talk to Your Specialist, here's what happens:
Cost: $0
Seriously. We get paid by the insurance company if you buy.
You pay the same price whether you use us or go direct.
Your Specialist isn't here to sell you. She's here to educate you.
15-minute call. Real quotes. Zero pressure.
Or email: your specialist@annuityocean.com
She usually responds within an hour.
P.S. - Seriously, no pressure. This isn't a sales pitch.
It's education with a side of "here's how we can help if you want."