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Annuities
Dream Cap Financial
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Get An Annuity Quote

Annuity offers vary by state. See what offers are available in your area and find features such as:


» Market Volatility Protection

» Tax Deferral

» Premium Bonus Available

» Various Terms from 2  to 15 years

» Multiple carriers to choose from

» Customized illustrations 


Discover how you could optimize your finances, reduce risks, and maximize your retirement savings with a customized annuity plan.

An annuity is intended to be a long-term, tax-deferred retirement vehicle. Earnings are taxable as ordinary income when distributed, 

and if withdrawn before age 59½,  may be subject to a 10% federal tax penalty.

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Annuity Optimization

At Dream Cap Financial, we help you design annuities that fit your risk tolerance, growth and income needs. With our expertise and guidance our goal is to provide you with the best advice and tools to help you plan for your future. We partner with many of the leading carriers to bring you Annuity solutions tailored to your exact needs. With the help of annuities we are often able to leverage market volatility through fixed indexed models. With careful planning we can even address concerns for long term care income needs with an Annuity rider. Your situation will dictate if there is a need, and how we design the annuity plan. 

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Fixed Annuities

Fixed Annuities

Also known as a multi-year guaranteed annuity (MYGA), fixed annuities have a guaranteed interest rate, usually lasting for 2 to 10 years. Fixed annuities are ideal for individuals looking for stable and predictable growth or income, especially during retirement. They offer protection from market volatility and can help ensure that you won't outlive your savings.

Indexed Annuities

Indexed Annuities

Also knows a a Fixed Indexed Annuity (FIA), it combines the benefits of a fixed annuity with the growth potential of the stock market, offering a unique way to secure retirement income. With an FIA, your principal is protected from market downturns, and your returns are linked to a specific market index, such as the S&P 500. While your earnings can grow based on the index's performance, you won’t lose money if the market goes down.

Variable Annuities

Variable Annuities

A variable annuity is a type of insurance product that offers the potential for higher returns by allowing you to invest in a variety of sub-accounts, such as mutual funds or other investment options. The returns of your annuity and the income you receive will vary on the performance of the investments you choose. While this provides greater growth potential compared to fixed or fixed indexed annuities, it also comes with more risk, as your account value can fluctuate based on market conditions.