Annuities

Build income for the future with confidence today.

Annuities are long-term insurance products that can help you grow savings, protect your principal, and create steady income during retirement. At Pennsylvania Insurance Specialists, we’ll guide you through the options and help you choose a plan that supports your financial goals.

What Is an Annuity and How Does It Work?

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An annuity is a contract with an insurance company that allows you to invest money in exchange for regular income payments later. It’s a popular option for retirement planning because it can provide guaranteed income, tax-deferred growth, and flexible payout options.

Types of Annuities We Offer

We work with trusted carriers to offer a variety of annuity products, including:



  • Fixed annuities for stable, predictable returns
  • Indexed annuities tied to market performance with downside protection
  • Immediate annuities for income that begins right away
  • Deferred annuities for long-term accumulation and future income

We’ll help you decide what fits best based on your timeline, income needs, and risk comfort.

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Get a Free Annuities Consultation

Retirement planning doesn’t have to be overwhelming. Let’s talk about how annuities could support your long-term financial goals.


Call us at (724) 238-2378 or schedule a no-obligation consultation today.

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Annuities FAQs

  • Are annuities safe?

    Annuities are designed to offer long-term stability. Fixed and indexed annuities can offer guaranteed returns or protection from market loss.

  • Can I lose money in an annuity?

    Some annuities involve market exposure, but we’ll help you understand the risks and choose a plan that aligns with your comfort level.

  • What’s the difference between immediate and deferred annuities?

    Immediate annuities start payouts right away, while deferred annuities grow over time before beginning distributions.

  • How do annuities compare to other retirement savings options?

    Annuities offer income guarantees that other investments don’t. They work well alongside other retirement accounts like IRAs or 401(k)s.