An annuity can ensure you have a regular, reliable income throughout your retirement.

Annuities Fixed Index Guaranteed AZ
Online Annuities Fixed Index Guaranteed.

Through an annuity, you buy a plan from a company using your pension. In return, the company provides you with income each month for the rest of your life. The amount you receive depends on several factors, including:

  • Your age and occupation
  • Your health
  • The size of your pension
  • The type of annuity you purchase

It’s vital to carefully read the terms and conditions of your preferred annuity plan when dealing with something as important as your pension fund, but evaluating all the available options can be overwhelming. The O’Neal Insurance Group helps you compare different annuities so you can select the one that contains minimum risks and offers the highest returns.

There are several types of annuities, including:


Will your pension be enough to help you pay medical bills? Will your Social Security be enough to last the rest of your life?

A fixed annuity is one way to ensure you have a consistent source of income after retirement. Fixed annuities can increase your tax-deferred earnings through low-risk investments, offering moderate returns.

While these annuities generally allow cash payments, we always recommend that you thoroughly read the terms and conditions of your preferred annuity plan. Don’t worry—we’ll be with you every step of the way. We’re happy to answer any questions you have about the risks and benefits of a fixed annuity.


More and more Americans are living longer, and retirees can easily outlive their assets.

An index annuity is a good option to ensure you have access to funds you’ll need for the rest of your life.

This type of annuity ties the rate of your return to the performance of a market index. However, because your money is not directly invested in the index the value of your investment will not decline, even if the index performs poorly.


You may need more health care services after retirement. Sadly, many older Americans are struggling to pay medical bills and are pushed into crippling debt.

Buying a guaranteed annuity can secure a stable income to help prevent you from being taken by surprise by unforeseen medical expenses.

There are several advantages to annuities, but no investment is without risk. O’ Neal Insurance Group understands the advantages and disadvantages of every type of annuity plan. We’re pleased to offer this service throughout nine states: Arizona, Indiana, Ohio, Michigan, Mississippi, Montana, New Mexico and Texas.

An annuity can provide incredible peace of mind, particularly if you are facing health care challenges. Contact us and we’ll be glad to discuss which option is best for you.

Insurance Carriers

  • Aetna
  • Allwell /Centene Ascension Complete
  • Anthem BCBS of Indiana
  • Bright Health
  • Blue Cross and Blue Shield of IL, (HCSC)
  • Blue Cross and Blue Shield of TX, (HCSC)
  • Cigna Medicare-Healthspring
  • Clearspring Health
  • Devoted Health
  • GTL (Guarantee Trust Life Insurance Company)
  • Health Alliance
  • Humana
  • Mutual of Omaha
  • UnitedHealthcare
  • Wellcare
  • Alabama
  • Arizona
  • Arkansas
  • Georgia
  • Illinois
  • Indiana
  • Louisiana
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • New Mexico
  • Ohio
  • Oregon
  • Tennessee
  • Texas
  • Wisconsin
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