PURPOSE
What should these funds support?
Consider your income needs, timing and other resources. An annuity is one option to evaluate, not a fit for every situation.
HUGS GOLD / ANNUITIES
Annuities
Your future deserves
a thoughtful conversation.
Start with what you want this money to support. HUGS helps you organize your questions and connect with the appropriate licensed professional to explore whether an annuity belongs in the conversation.
Understand the possibilities
THE BIG PICTURE
What is an annuity?
An annuity is a contract with an insurance company, generally intended for long-term goals. Depending on its terms, it may help accumulate funds or provide income that begins now or later. Features, costs and risks differ by contract.
FLEXIBILITY
When might you need access?
Understand withdrawal limits, surrender charges and other fees. Taking money out can also have tax consequences.
CONTRACT
What does the contract include?
Ask which benefits are guaranteed, which can change and what risks remain. Any insurance guarantees depend on the issuing insurer’s claims-paying ability.
A CONVERSATION WITH HUGS
How HUGS helps
Clear questions. An appropriate connection. Time to understand your options.
Start with your priorities.
Talk through what you want to understand, your general timeline and the questions that matter most to you.
Make the right connection.
Confirm the appropriate licensed professional and applicable insurance partner before discussing specific products or next steps.
Put the details in context.
Use the conversation to understand contract information, clarify unresolved questions and identify what needs further review before you decide.
HUGS & OUR PARTNER NETWORK
Connecting the conversation
to licensed professionals.
HUGS works with applicable insurance partners in our existing network to support annuity conversations. The specific insurer, product and professional must be confirmed for your state and circumstances.
Not every partner shown on the HUGS website offers annuities. Availability depends on licensing, appointments and active contracts. The issuing insurer—not HUGS—provides the annuity contract and is responsible for its obligations.
BEFORE WE TALK
A few useful questions
You do not need to have every answer. Start with the questions you want a licensed professional to help you understand.
Keep your financial information private.
Do not enter or send account numbers, balances, statements, tax IDs or personal documents through this page.
WHEN YOU’RE READY
Start with your questions.
View Gold consultation availability. Online annuity requests are not available here.
This page does not start an application, transfer funds or purchase an annuity.
Information only. Service availability and next steps must be confirmed.