How to Guarantee Income for Life with Social Security and an Annuity

Wednesday, May 27, 2026 09:42 AM - Comment(s)

How to Guarantee Income for Life with Social Security and an Annuity

Guaranteeing income for life with Social Security and an Annuity can help you supplement or replace your earnings from your employer when you retire or work less. Here is a simple way to do it, but it takes a tiny bit of planning now. The sooner you start the sooner you start accumulating the guarantees for an income benefit value.

Step 1: Rollover $250K at age 60 from your 401K, 403B, 457, IRA or any other retirement plan to the Nationwide Peak Annuity with a 25% bonus + 8% per annum for an income benefit value.

Step 2: Elect guaranteed income for life at age 67 from your Nationwide Annuity of $30,468 per annum ($2,539 per month) on $487K.

Step 3: Elect Social Security income at age 67 and receive the combined guaranteed income for life (you can see how much income you will receive on your most recent Social Security statement)

*Implementing this guaranteed strategy maintains flexibility to commence income earlier OR later if your objectives change.

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Joint Income for Life Options
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Tax-Free Transfers between Annuities (called a 1035 exchange)
Tax-Free Transfers from Life Insurance Cash Value to an Annuity (called a 1035 exchange)
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