Annuities

Annuities · Fort Lauderdale, FL

Annuities in Fort Lauderdale — retirement income you can count on.

Guaranteed lifetime income, tax-deferred growth, and principal protection — designed around Fort Lauderdale retirees who want their money to last as long as they do.

Coverage Options

A complete range of plans, matched to your life in Fort Lauderdale.

Fixed Annuities

A guaranteed interest rate for a set term — like a CD, but with tax-deferred growth and stronger long-term rates. Ideal for principal-protected retirement dollars.

Fixed Indexed Annuities

Growth linked to a market index with a floor of zero — you participate in the upside without exposure to the downside. A cornerstone of many Fort Lauderdale retirement plans.

Immediate Income Annuities

Convert a lump sum into guaranteed monthly income that starts right away — often within 30 days. A private pension for retirees who want predictable checks.

Who this is for

Real Fort Lauderdale situations we solve every week.

Recently retired in Fort Lauderdale

You want a predictable paycheck to cover essential expenses regardless of what the market does. An income annuity fills the gap between Social Security and your lifestyle needs.

Approaching retirement in 3–7 years

You need to shift a portion of your savings out of market risk without losing growth. A fixed indexed annuity protects principal while capturing measured upside.

Sitting on a large CD or savings balance

Your bank interest is being eroded by inflation and taxed at ordinary rates. A tax-deferred annuity can improve after-tax growth and set up future income.

Benefits

Coverage built around your outcomes — not a call-center script.

Guaranteed lifetime income options — never outlive your money
Principal protection with fixed and fixed indexed products
Tax-deferred growth that pairs well with Florida's no-state-income-tax advantage
Independent access to A-rated Florida-approved carriers
Clear, plain-English explanations — no jargon, no surprises
Ongoing reviews to make sure your annuity keeps pace with your retirement plan

How it works

Talk to a local agent

A quick, no-pressure conversation about your situation, budget, and priorities.

Compare real quotes

We pull plans from A-rated carriers licensed in Florida and show you the numbers side by side.

Enroll with confidence

We handle the paperwork and stay with you all year — claims, renewals, questions.

Same-day quotes

See your options in minutes, not days.

A free, no-obligation quote from a licensed Fort Lauderdale agent. Compare real plans, real prices, real coverage.

Local expertise

Retirement income that lasts as long as your Florida sunsets.

Fort Lauderdale is one of the most desirable places in the country to retire — and one of the most important places to plan carefully. Between Broward County housing costs, healthcare expenses, and the temptation to enjoy every waterway and beach the region offers, running out of income is a real risk. Annuities give Fort Lauderdale retirees a guaranteed floor of income so the essentials are always covered — while the rest of your portfolio stays free to grow, travel with you, and support the retirement you actually want.

Why ITW

A licensed, independent Fort Lauderdale agent — not a call center.

Independent 1099

We work for you, not one carrier — so we show you the actual best fit.

Florida Licensed 2-15

Licensed in Life, Health & Annuities in the State of Florida.

Local to Fort Lauderdale

Meet in person or on Zoom — a real agent who answers the phone.

Free quotes, always

No cost, no obligation, no aggressive follow-up. Ever.

Talk to a real agent

Prefer to talk it through? Call (954) 495-8788.

Fritz Dorce personally answers questions from Fort Lauderdale residents every day. No robots. No wait times.

FAQ

Frequently asked questions

What is an annuity and how does it work?

An annuity is a contract with an insurance carrier that converts a lump sum or ongoing contributions into guaranteed income — either now (immediate) or later (deferred). It’s one of the few financial products that can pay you for life, no matter how long you live.

Are annuities safe in Florida?

Annuities are backed by the issuing insurance carrier and further protected by the Florida Life & Health Insurance Guaranty Association up to state statutory limits. ITW only recommends annuities from A-rated carriers with strong long-term financial ratings.

What types of annuities do you offer in Fort Lauderdale?

We work with fixed, fixed indexed, and immediate annuities. Each serves a different goal — protecting principal, growing tax-deferred with market-linked upside, or generating income immediately. We match the type to your retirement plan, not the other way around.

How are annuities taxed in Florida?

Growth inside an annuity is tax-deferred at the federal level. Withdrawals of earnings are taxed as ordinary income. Florida has no state income tax, which makes annuities particularly efficient for Fort Lauderdale retirees.

Can I lose money in an annuity?

Fixed and fixed indexed annuities protect your principal — you can’t lose your original contribution to market downturns. That’s a key reason Fort Lauderdale retirees use them to anchor the safe portion of their retirement.

How much money do I need to buy an annuity?

Minimums vary by product and carrier, typically starting around $10,000–$25,000. We help you decide whether an annuity is even the right fit before recommending any amount.

When can I access my money in an annuity?

Most annuities allow penalty-free withdrawals of 10% per year after the first contract year. Larger withdrawals during the surrender period may incur a surrender charge. We fully explain all liquidity terms before you sign anything.

Do annuities replace Social Security or a pension?

No — they complement them. Social Security provides a baseline; a pension (if you have one) adds to it; an annuity can fill the remaining income gap so your essential Fort Lauderdale expenses are always covered.

(954) 495-8788