Protect your income
You've lived with risk, don't retire with it


Many Americans are concerned that they will either run out of money in retirement or risk not having enough money to maintain the lifestyle they've become accustomed to. That's why monthly income planning is one of the most important steps in creating the retirement lifestyle you want. Don't wait to consider your financial options. Annuities can grow your initial assets while offering protected monthly income for the rest of your life that can fill a critical gap in your retirement funds. Explore additional information about investing in annuities.

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Elaine Larsen

Jet Car Driver

Racing down a drag strip at speeds of over 280 miles per hour may not be your idea of a good time. But for Elaine Larsen, it's her life's work and passion. For five seconds at a time, Larsen is at the helm of a 5,000-horsepower jet engine on wheels and attempts to control the 4,500 pounds of thrust until she hits the finish line. After a massive 2011 wreck, Larsen was forced to consider retirement sooner than she wanted. She understands that no amount of preparation can eliminate the risk involved with jet car racing. But she chose to eliminate some of the risk in her retirement planning with lifetime income solutions.

Read the full story here

James Moskito

Ocean Conservationist

What does your retirement have in common with ocean life? Beyond perhaps the desire to spend your golden years near a shoreline taking in a picturesque oceanic view — Both can be unpredictable, regardless of preparation. Fear of the unknown is a powerful motivator. Ocean conservationist and diver James Moskito knows this and wants to help others understand the life and importance of sea life. While most wouldn't risk spending a moment in unpredictable waters, Moskito has made it a career choice. And though he faces certain risk every single time he enters the water, he chose not to retire with it.

Read the full story here

Rosaly Lopes


Our Earth is constantly transforming itself one volcanic eruption at a time. Whatever you may call those scientists who risk the unforgiving elements to study this natural behavior, they’re officially called volcanologists. Rosaly Lopes is one such volcanologist, and she’s traveled to all seven continents in order to get a firsthand look at Earth’s most active volcanoes. Lopes loves her career, risk and all — avoiding lava bombs, clouds of noxious gasses, and flowing river of molten lava. Yet when she planned ahead for her retirement, she chose to leave the risk behind and protect her retirement by applying lifetime income solutions.

Read the full story here

Dr. Ben Labrot, Founder & CEO

Floating Doctors

"You have to balance your risk with as many strategies as possible to try to protect yourself."

Dr. Ben Labrot founded Floating Doctors to provide professional medical help to underserved communities worldwide. It all began while visiting a Maasai village in desperate need. At that point the seed for Floating Doctors was planted, and Dr. Ben could never again turn a blind eye to those in need of medical attention.

Dr. Ben safeguarded his retirement with an annuity. "It really behooves people to think carefully about what they're going to put their money into, and to have something that's pretty safe so that they can take risks elsewhere."

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Renee Lamoreaux


"I'm very thankful for my annuity. It gives me a great sense of stability. It's not even a sense, it's a reality of security and stability in a world of fluctuating markets."

Renee Lamoreaux faced certain risk every time she jumped from an airplane as part of the first generation of female smokejumpers in the United States. She performed her duties for 16 years and was promoted to a leader of her smokejumper squad.

Lamoreaux earned an annuity in 1996. She lived with risk long enough, but opted not to retire with it. "I can be a great risk taker in my life and not so great with finances — I'm blessed and grateful for the annuity I have."

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Would you like to know more?

Talk to an expert

Discussing your retirement can be stressful, but you don't have to go at it alone. We put together a checklist that covers key questions and concepts to help you prepare for a more productive conversation with a financial advisor or benefits representative on how annuities can be an important part of your retirement portfolio. Get started with your annuities conversation by using the checklist provided.

Expert Series: Experts on Annuities

Taking a different approach to retirement income planning

There’s a common question applied to one’s retirement, it’s often "how much money will I need post-career to not only live, but thrive and maintain my desired lifestyle?" While there is value in thinking of retirement with a lump-sum, our ‘Expert Opinion’ series explores different approaches when thinking about retirement. The below article is an example of approaching retirement in terms of ‘monthly needs’ rather than ‘lump-sum’ needs.

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Expert Series: Outliving Your Income

Outliving Your Income

One of the most common fears people share when considering retirement is the very real possibility of outliving the money they’ve worked so hard to save. The below article from our ‘Expert Opinion’ series explores how an annuity may be applied to help alleviate some of the risk associated with longer lifespans and volatile market fluctuations.

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Signature Series: How an Annuity Works

How an Annuity Works

Getting a better understanding on how annuities actually work is an excellent first step toward applying them to your retirement plans. The article below, from our ‘Signature Series’ lays out some key points to help the reader understand the history of annuities and some of their most advantageous aspects.

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White Paper:

Explore How Annuities Fit Into the New Formula for Retirement

Today’s retirees – and those nearing retirement – face new, and complex, financial challenges. While 11,000 people retire every day, most do so without a pension to provide steady income, relying solely on Social Security and their own accumulated savings. At the same time, life expectancy continues to climb, increasing the likelihood that these retirees might “outlive their money” or have to significantly reduce their lifestyle in retirement to make their savings last.

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Helping Americans address the risk of outliving their retirement income.

About the Alliance for Lifetime Income

The Alliance for Lifetime Income has reached out to some pretty extraordinary professionals. Those who face risk in their careers, yet chose to apply lifetime income solutions to alleviate some of the risk involved in retirement. We're proud to share their stories.

Videos here

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