Many retirees now plan for income that may need to last 20 years or longer
The fastest way to compare fixed annuity rates
In one focused call, Ryan helps you understand annuity options, compare available rates, and see whether guaranteed retirement income fits your savings plan.
Most consultations take less than 15 minutes.
No obligation. Your information is handled privately. Compare annuity options from multiple insurance carriers where available and where the broker is appointed/authorized.
Typically helpful for retirees and pre-retirees who want predictable income, principal protection, or a clear view of current annuity rates.
A few realities to compare carefully.
Fixed annuities can offer guaranteed rates for a set contract term
Immediate annuities can turn savings into predictable monthly income
Surrender periods, liquidity, and carrier strength matter before moving money
15 minutes or less to understand your annuity options
A licensed broker can quickly walk you through fixed, fixed indexed, immediate, and deferred annuity options so you can focus on the choices worth comparing.
Schedule a callRate Comparison Support
No need to compare carriers on your own.
Current annuity offers can vary by carrier, term, state, age, and contract design. Ryan helps you compare the moving parts in plain language before you make a decision.
The details matter: surrender periods, income options, caps, participation rates, renewal terms, and carrier ratings can all change what a quote really means.
How it works
Three steps, one short conversation.
No paperwork marathons or seven phone calls. A single focused process, designed around your schedule and the numbers you actually need to compare.
A short, focused call
Ryan listens to your goals, answers questions, and narrows what is worth comparing based on your age, timeline, and retirement savings plan.
Compare real annuity options
You see carrier options side-by-side where available — rates, guarantees, income choices, surrender terms, and trade-offs in plain language.
Choose what happens next
If an option makes sense, Ryan helps you understand the application and transfer steps. If it does not, you leave with clarity and no pressure.
Meet the broker
Meet Ryan Doyel
Ryan is the licensed independent insurance broker behind AnnuityRates.pro, helping retirees and pre-retirees compare annuity options with calm guidance and a real person they can actually talk to.
No call-center handoff. Just a thoughtful conversation about rates, carriers, income options, and what fits your goals.
Licensed broker · CA LIC# 4421924
Frequently asked
Questions people ask before they call.
Annuities come with real questions — not just about rates, but about access, guarantees, taxes, and what happens next. Here are the ones we hear most.
An annuity is a contract with an insurance company. You place money into the contract, and the carrier provides a stated benefit, such as guaranteed interest, future retirement income, or income that can begin right away.
The right type depends on your goal: protecting principal, earning a fixed rate, creating predictable income, or adding market-linked upside with guardrails.
Fixed annuities can offer a guaranteed rate for a stated period, depending on the carrier and contract. That guarantee is backed by the issuing insurance company, so carrier strength matters.
Rates can change, and different products have different terms. Ryan helps you compare the rate together with the surrender schedule, liquidity, and renewal rules.
A CD or savings account is a bank product. An annuity is an insurance contract. Annuities may offer higher guaranteed terms or income features, but they can also include surrender periods, tax rules, and limits on early withdrawals.
Many annuities allow limited penalty-free withdrawals, but access depends on the contract. Some have surrender charges if you take out more than the allowed amount during the surrender period.
This is one of the most important parts to compare before moving money. The goal is not just the highest headline rate; it is the right balance of rate, access, and fit.
Income depends on the amount you place into the annuity, your age, the payout option, interest rates, and the carrier. Immediate annuities focus on income now; deferred annuities can be designed for income later.
After a short call, Ryan can help you compare realistic income or rate options across carriers where available, so you are not guessing from generic examples.
No. The first call is about understanding your situation and answering questions. You'll never be asked to move money during that conversation — an annuity is not a decision anyone should make under pressure.
If you move forward later, it's because the numbers and structure actually make sense for you.