Protect the retirement you earned.

Q: Is my money safe?

Fixed annuities protect your principal. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

Q: How does Ben get paid?

The insurance company pays a one-time commission. You pay nothing. Your full deposit goes to work on day one.

Q: What if I die before I get all my money back?

Most income annuities offer period-certain or cash-refund options that return remaining balance to your beneficiary.

See what guaranteed income looks like with your numbers. Four interactive tools. No signup. No sales pitch.

Takes 2 minutes. Everything stays private.

20+A-Rated Carriers

$0Cost to You

5States Licensed

LocalLiberty Lake, WA

Tool 1 of 4

How much guaranteed income can your savings create?

Drag the slider. Watch the paycheck appear.

Your savings

$300,000

$50K$750K$1.5M

$2,025

per month — guaranteed for life

$24,300/yr · Age 65 · A-rated carriers

Retired couple enjoying mountain scenery

Your retirement should feel like this.

Tool 2 of 4

Your CD vs. a fixed annuity

Same dollars. Same safety. Watch the gap.

Compare on

$200,000

$50K$500K$1M

Best CD

$244,924

Fixed Annuity

$263,326

+$18,402

more with an annuity over 5 years

CD 4.15% vs MYGA 5.65% · Tax-deferred growth

Peace of mind isn't a luxury. It's a plan.

Tool 3 of 4

When should you claim Social Security?

Tap an age. See the difference.

Your benefit at 67

We compare carriers so you don't have to

Tool 4 of 4

Does your income cover your life?

Three numbers. One answer.

Monthly expenses

Monthly income

"I had no idea my 401(k) could become a monthly paycheck. Ben showed me numbers from six carriers."— Retired teacher, Spokane Valley

Ben Volk — Independent Retirement Income Broker

Meet Ben Volk.

Independent broker. Liberty Lake, WA. Licensed in five states. Ben shops 20+ A-rated carriers for the best rates and contracts for your situation. The insurance company pays his commission — not you. Your full deposit goes to work on day one.

OIC #860732 · Licensed AZ, ID, NV, OR, WA

This is what a plan protects.

"Our CDs were earning nothing. Ben moved us into a fixed annuity paying 5.65%. Should have done it years ago."— Couple, age 68, Liberty Lake

What's coming next

More tools. More resources. More ways to get answers.

Summer 2026

Ben's Retirement Insights

Short videos answering the questions Ben hears every week. Real talk. No jargon.

Coming Soon

Client Document Portal

Secure access to your policies, statements, and planning documents. One login.

Coming Soon

Retirement Planning Guides

Downloadable guides on Social Security timing, rollover decisions, and income strategies.

Coming Soon

Retirement Insights Blog

Articles on rates, market conditions, and planning strategies for the Inland Northwest.

Proudly serving the Inland Northwest.

Common questions

What is a guaranteed income annuity?

You give an insurance company a lump sum. They send you a monthly check for the rest of your life. The amount is guaranteed — it never goes down, no matter what the market does.

Is my money safe?

Fixed annuities protect your principal. You cannot lose money to market downturns. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

How does Ben get paid?

The insurance company pays a one-time commission when you buy a policy. You pay nothing — not a fee, not a percentage, not a penny. Your full deposit goes to work on day one.

Can I still access my money?

Most annuities allow 10% penalty-free withdrawals each year. Full access comes after the surrender period — typically 3 to 10 years depending on the product.

What if I die before I get all my money back?

Most income annuities offer period-certain options that guarantee payments for a minimum number of years. Cash-refund options return any remaining balance to your beneficiary. Nothing is lost.

Ready to see your real numbers?

Ben runs your scenarios across 20+ A-rated carriers. No cost. No pressure. No obligation.

Book a Free Consultation →

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