RETIREMENT INCOME · FORT WORTH & ALL OF TEXAS
Fixed Annuities: Protect Your Savings, Plan Your Income
Last updated June 10, 2026
Your principal is protected from market losses, with a lifetime income option. Ideal for 401K rollovers, IRA transfers, or any lump sum you want to protect and convert into predictable retirement income.
Licensed in 40 States
NPN #21207986
Joe Rangel, NPN 21207986
Licensed in 40 states · Independent broker, multiple A-rated carriers
I help families, seniors, and business owners compare coverage in one place. No pressure.
Fixed Annuities: Quick Facts
What Is a Fixed Annuity and How Does It Protect Retirement Savings?
A fixed annuity is a contract with an insurance carrier that protects a lump-sum deposit for a set term of 3 to 10 years, with principal protected from market losses and tax-deferred treatment. Retirees and pre-retirees ages 40 to 85 use fixed annuities to protect savings, roll over a 401K or IRA, and convert a balance into predictable lifetime income. It is best for savers who value safety and a known outcome over market upside. It is not a fit for money you may need quickly or funds you want exposed to market growth; an indexed universal life policy offers market-linked growth with downside protection.
Joe Rangel (NPN 21207986) of Golden Years Protection is an independent life insurance broker in Fort Worth, TX, licensed in 40 states. Golden Years Protection is a one-stop shop for final expense, term life, whole life, mortgage protection, fixed annuities, key person insurance, and indexed universal life. One broker, multiple A-rated carriers: families, seniors, individuals, and small business owners compare an abundance of coverage options in one place.
You spent decades saving for retirement. Now the question isn't how to grow it. It's how to protect it. The IRS Publication 575 details how annuity income is taxed, and understanding these rules is essential for retirement planning. A single market correction can wipe out years of gains. A prolonged downturn can force you to delay retirement or reduce your lifestyle.
Fixed annuities protect your principal from that market risk. You deposit a lump sum with an A-rated insurance carrier. Your principal is protected for the full term of the contract (3, 5, 7, or 10 years). No market exposure, no annual fees on most contracts. For those who want market-linked upside with downside protection, an indexed universal life (IUL) policy may be worth exploring alongside a fixed annuity.
When the term ends, you can renew, withdraw, or convert to an income stream that lasts for life. The NAIC annuity buyer's guide is an excellent resource for understanding your options. One call to 682-254-1786 compares current options from multiple A-rated carriers for your deposit and timeline.
Why Do Texas Retirees Choose Fixed Annuities?
Locked-In Terms
Your contract terms are locked in writing at signing and hold for the full term. No surprises.
Principal Protected From Market Losses
Your deposit is backed by the insurance carrier. Market crashes do not affect your balance.
Tax-Deferred
Your money is not taxed until you withdraw. No annual taxes along the way.
No Annual Fees on Most Contracts
Unlike mutual funds and managed accounts, most fixed annuities charge zero annual management fees.
Predictable Retirement Income
Convert your annuity into an income stream (monthly, quarterly, or annually) that lasts for life.
Flexible Terms: 3 to 10 Years
Choose a term that fits your retirement timeline. Shorter terms for near-retirees, longer terms for a longer time horizon.
HOW IT WORKS
Three Steps. That's All It Takes.
Talk to Joe About Your Goals
Share your retirement timeline, deposit amount, and income needs. Takes 15 minutes.
Compare Options From Multiple Carriers
Joe shops current options across multiple A-rated carriers to find the right contract for your timeline.
Fund Your Annuity
Transfer or roll over your funds. Your contract terms are locked from day one.
How It Works
A Fixed Annuity, Start to Finish
You move a lump sum, such as a 401K or IRA rollover, into a fixed annuity with an A-rated carrier. Your principal is protected from market losses for the full term you choose, 3 to 10 years. Your money grows tax-deferred, and at the end of the term you can renew, withdraw, or turn the balance into an income stream that lasts for life.
Illustrative overview. Actual terms depend on carrier, deposit amount, and term selected, and are subject to change.
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FIXED ANNUITY QUESTIONS: HONEST ANSWERS
Frequently Asked Questions
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Protect Your Retirement From Market Losses
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Fixed Annuities in Your City
Local guides for fixed annuities across the Fort Worth metroplex.