Call 800-373-9697 or Click and see if you are getting the highest SPIA payments! was created to deliver personalized service in the search to maximize lifetime annuity income.  We check immediate annuity rates from a dozen of the top insurance companies. We often find the highest income!

Request An
Immediate Annuity

Definitely request a quote from us before you decide on your lifetime income! Our founder has been working daily with immediate annuities for 20 years. A veteran of the insurance industry and a nationally recognized expert and advocate of fixed annuities.

Fixed Rate Annuities Now Available (MYGA)


April MYGA Special

for 5 Years

in AR, AL, GA, KY, MS, NC, SC, TN, WV
3.10% - 2.80% in most other states

Guaranteed interest for a fixed period.
For current rates click here.

For a MYGA quote call (800) 373-9697 or fill out our fixed rate annuity quote request.



Immediate Income For Life -        Call 800-373-9697 for a quote or Click Here
Male 65 - 6.35% For Life
Male 70 - 7.00% For Life
Male 75 - 8.01% For Life
Female 65 - 6.17% For Life 
Female 70 - 6.76% For Life 
Female 75 - 7.65% For Life 

Our Mission
It is simple! Providing the highest guaranteed income from the most secure and highly rated insurance companies. As a completely independent entity, SPIA will provide an impartial recommendation based on pricing and carrier strength. If your health has been an issue, an underwritten age rated immediate will
allow the insurance carrier to pay higher income due to the shortened life expectancy. For a quote call (800) 373-9697 or fill out our on-line immediate annuity quote request form.

Company Profile - About us
Over 20 years experience and a billion dollars placed with insurance companies!

I started after being completely immersed in the immediate annuity marketplace for 10 years. Working directly under a 35 year industry veteran, we had our collective finger on the pulse of immediate annuities and felt it beginning to throb. Foreseeing an influx of new immediate annuity products and less experienced sales personnel, SPIA was created to educate and simply explain what makes a quality immediate annuity product.

We have a
client oriented approach that results in the highest income from the top rated companies. It is all guaranteed!

We are immediate annuity experts, try us and see why our clients say they are so glad they found us!

SPIA Annuity Brochure
Download our immediate annuity income brochure PDF here.

Sample SPIA Quotes - 2015

Lifetime Income SPIA With 100% Money Back Guarantee Refund Death Benefit.
Income begins 1 month after deposit.
Gender / Age 

Monthly Income

Annual Percentage Return P&I

Tax Free Portion
Male 60 $484.34 5.81% 65% Tax Exclusion
Male 65 $529.49 6.35% 69% Tax Exclusion
Male 70 $582.95 7.00% 75% Tax Exclusion
Male 75 $667.39 8.01% 76% Tax Exclusion
Male 80 $769.63 9.24% 86% Tax Exclusion
Male 85 $886.09 10.63% 87% Tax Exclusion
Gender / Age 

Monthly Income

Annual Percentage Return P&I

Tax Free Portion
Female 60 $469.53 5.63% 66% Tax Exclusion
Female 65 $514.56 6.17% 71% Tax Exclusion
Female 70 $562.98 6.76% 75% Tax Exclusion
Female 75 $637.55 7.65% 81% Tax Exclusion
Female 80 $737.48 8.85% 85% Tax Exclusion
Female 85 $857.94 10.30% 85% Tax Exclusion
Gender / Age 
100% Joint Lives ONLY

Monthly Income

Annual Percentage Return P&I

Tax Free Portion
Male 65 / Female 60 $451.60 5.42% 66% Tax Exclusion
Male 70 / Female 65 $488.81 5.87% 72% Tax Exclusion
Male 75 / Female 70 $539.87 6.48% 78% Tax Exclusion
Male 80 / Female 75 $610.54 7.33% 78% Tax Exclusion
Non-Life Fixed Period ONLY ($100,000 Premium)

Monthly Income

Guaranteed Total Return
Over Term
Tax Free Portion
5 Year Certain ONLY $1,709.00 $102,540.00 97% Tax Exclusion
10 Year Certain ONLY $941.69 $113,002.80 89% Tax Exclusion
15 Year Certain ONLY $686.16 $123,508.80 81% Tax Exclusion
20 Year Certain ONLY $562.33 $134,959.20 74% Tax Exclusion

Annual Percentage Return P&I: This is the annual percentage needed in any other vehicle to guaranteed the same income without out ever running out of money! 

Quotes may vary in some states due to state premium taxes.

Various Insurance Companies Rated (A+ or A) By A.M. Best
Based on $100,000 - Life With Installment Refund - Non Premium Tax State
Payment will remain the same for LIFE!

Contact Information
Feel free to contact us for personalized immediate annuity (SPIA) service.

Telephone - Live quotes
Postal address
5530 Corbin Avenue, Suite 101 - Tarzana, CA 91356
Nationally Licensed  - CA Insurance License #0518378 #0B91910
Electronic mail
Customer Support:
Licensed in:
Most States as of 05
Jeff Affronti agent of record.
Looking for information on an annuity?
California Insurance License Number 0B91910 and 0B67385 is a DBA of FSD Financial Services
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Last modified: 04/19/16