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Based in Tennessee · Serving retirees in all 50 states

Retirement income that arrives every month. For life.

We help people in their 50s, 60s, and 70s turn part of their savings into a guaranteed “personal pension” — and we show you exactly how to avoid the traps that give annuities a bad name.
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Talk to a Licensed Advisor
Free  ·  No obligation  ·  You’ll never be pressured to buy anything

Independent

We don’t work for any one insurance company, so no single product gets pushed on you.

Licensed in your state

You’re matched with one vetted, licensed advisor — never a call list.

Education first

Compare real numbers side by side before you ever talk to anyone.

How it works

Three steps. No pressure at any of them.

Step 1

Tell us about your retirement

Two minutes: your state, your age range, and whether you’re reviewing an annuity you already own or considering a new one.
Step 2

See your real numbers

We send you a personalized comparison — what a guaranteed monthly income would actually look like from today’s top-rated insurers.
Step 3

Decide on your own schedule

If you want to go further, you talk to one licensed advisor in your state. If not, keep the guide. Either way, you’re better informed.
Protect yourself

Know the warning signs before anyone knows your account number.

Annuities are powerful when they fit — and a costly mistake when they’re sold instead of chosen. These are the five signs you’re being sold to, not advised. Walk away from any of them, including from us.
Our no-pressure standard: every advisor we match you with agrees in writing to no same-day signings, full fee disclosure, and putting comparisons from more than one insurer on the table.
  • Pressure to sign today — “this rate disappears Friday”
  • An agent who only ever shows one company’s product
  • Surrender charges that lock your money up for 10+ years
  • Promises of stock-market returns with “zero risk”
  • Anyone suggesting you move ALL of your savings into one annuity
Learn before you buy

Do your homework here — it’s all free.

Guide

7 Questions to Ask Before Buying an Annuity

The checklist we’d hand our own parents. Bring it to any advisor meeting — including one with us.
Read the guide →
Before you buy

Get the Free Annuity Comparison Guide

How today’s options stack up side by side, in plain English — so you can compare before anyone compares for you.
Get the guide →
Podcast

The Annuity Straight Talk Podcast

Plain-English conversations about lifetime income, without the sales pitch.
Listen now →
Fresh from the blog

The latest from our annuity library.

From our clients

Retirees in every corner of the country.

I was worried about outliving my savings, but Tennessee Annuity Rates showed me how to create a personal pension that will last for life.
Janet
Retiree in Illinois
We wanted a secure income stream for retirement without worrying about market ups and downs.
Greg & Susan
Retirees in Arizona
Working with Tennessee Annuity Rates was the best decision we made for our retirement.
Robert & Nancy
Retirees in Georgia
Honest answers

Questions people actually ask us.

No — and anyone who tells you otherwise is selling, not advising. Annuities make sense for part of your savings when guaranteed lifetime income matters more to you than market upside. If you have a healthy pension already, or need your money liquid, an annuity may be the wrong tool. We’ll tell you that.

Yes. We started in Tennessee — that’s the name — but today we work with clients in all 50 states. Wherever you live, you’re matched with an advisor who is licensed in your state.

Nothing. The guide, the comparison, and the consultation are free. If you eventually buy an annuity, the insurance company pays the advisor a commission — which is disclosed to you before you sign anything.

No. Your information goes to exactly one licensed advisor in your state — never a list, never resold. That’s a promise we put in writing on every form.

A fixed annuity’s guarantees are backed by the financial strength and claims-paying ability of the insurance company that issues it. That’s exactly why we only compare insurers with strong independent financial-strength ratings — and we show you those ratings for every option you consider, before you decide.

Yes — an annuity review is free and often the most valuable thing we do. We’ll translate your contract into plain English: what you’re paying, what you’re guaranteed, and whether today’s rates could do better.

Coast to coast

Based in Tennessee. Serving all 50 states.

Every advisor we match you with is licensed in your state, and everything happens by phone or video. See how it works where you live:

Florida  ·  Texas  ·  California  ·  Ohio  ·  Pennsylvania  ·  North Carolina  ·  Georgia  ·  Arizona  ·  Michigan  ·  Illinois  ·  all 50 states →

Get started

See what your monthly number could be.

Tell us a little about where you are, and we’ll send your free comparison guide — real rates from top-rated insurers, side by side, in plain English.
One form. One advisor. Zero pressure. We’ll never sell your information, and you’ll never hear from more than one licensed advisor in your state.