An annuity is a contract with an insurance company designed to help accumulate funds or convert savings into a stream of income, often for retirement. Infante Insurance Group works with a network of carriers to help individuals across Florida and Texas — from Miami-Dade and Tampa to Orlando, West Palm Beach, Houston, and Dallas — explore annuity options — in English or Spanish.
Coverage Options
Common annuity types include fixed annuities, which credit a set interest rate for a specified period, and indexed annuities, which credit interest partly based on the performance of a market index, subject to caps and participation rates, without directly investing in the market. Annuities can be structured to pay out immediately or to grow for a period before payments begin. Surrender periods — during which withdrawing funds early can trigger a charge — fees, and payout options are all important contract details to review closely before purchasing.
Who May Need This
This is worth exploring if you’re planning for retirement income beyond Social Security and other savings, want a tax-deferred way to grow savings, or are interested in converting a lump sum into a predictable stream of future income.
Where You're Covered
Retirement income planning is a common conversation among Florida and Texas residents alike, including the many people relocating to both states for retirement. Because annuities involve surrender periods and contract-specific terms, working through the details with a licensed agent — and comparing against your other retirement savings — is an important step no matter where you settle.
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This information is for general educational purposes only and does not replace policy documents, legal advice, or personalized insurance guidance. Coverage options may vary by carrier, policy, state, underwriting, exclusions, limitations, and individual circumstances.
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Quick answers to the questions we hear most often.
Life insurance is generally designed to provide a benefit to beneficiaries after you pass away, while an annuity is generally designed to provide income to you, often during retirement. Some people use both as part of a broader plan.
Often Coordinated Together