We've Created a Better Annuity Buying Process

Oct 4, 2022

Blueprint Income Team

At Blueprint Income, we're working to make the annuity market a simpler and easier space to navigate. Each day we're focused on offering a better service and product that makes sense for you.

Hero - We've Created a Better Annuity Buying Process
  • We make it easier to understand and more than one million people used our resources last year
  • The process is easy and you can do it all digitally through us

It’s easy to say the annuity market is fragmented, opaque, or not serving the best interests of consumers. But how do you create a better annuity buying process? At Blueprint Income, that’s what we’re focused on building every single day.

We think annuities have historically been hard to understand, hard to compare, and hard to buy. We think the minimums to buy in have been too high and the fees too opaque. Here’s how we’re building a better annuity buying process.

  1. We only provide the simplest annuities that provide a clear, contractual guarantee without bells and whistles. 

    We only offer products that provide the strongest, simplest contractual guarantees: fixed annuities (multi-year guaranteed annuities) and income annuities (both immediate and longevity annuities). That means no market-linked indexed annuities or variable annuities. If it takes more than 10 seconds to explain what you’ll get from your premium, it’s not for us (and, in our opinion, it’s not for you).
  2. We’re tailored to you. 

    Want to chat? Call and a Blueprint Income team member will answer. Not someone halfway across the world. Not a bot. 
  3. We only work with highly rated insurers. 

    All income annuities on the platform are from insurers with a financial strength rating of A or better from the rating service A.M. Best, and most are A+ or A++. For fixed annuities which have a shorter time horizon, we also show rates available from insurers rated B or higher.
  4. There are no ongoing fees. 

    We’re transparent about commissions and fees. So we’ll tell you in plain English — you pay no upfront or ongoing fees. The income amount we quote for your initial purchase is fully guaranteed (subject, of course, to the claims paying-ability of the insurer). We take a small commission from the insurer at the time you make a purchase.
  5. We focus on low-cost annuities.

    We focus on annuity products that pay the lowest commissions so that more value is available to our customers. We receive commissions of 1-5% paid to us once, so equivalent over the life of a product to 0.03-0.17% per year (assuming a 30 year life)!
  6. Our technology is modern and easy to use. 

    We’ve made it easy to do everything digitally. Online application? Check. Change an address? Or beneficiary? Check. Check. Do it all digitally through us. And we’ll make the process a cinch. Forget everything you thought you knew about an old-school painful annuity process.
  7. We offer a transparent marketplace.

    We believe in being transparent about commissions and staying focused on our mission to change retirement.
  8. We’ve made it easier to understand. We provide objective information. 

    Annuities are so useful but finding them has historically been difficult and confusing. We're sifting through the mess and making it easy for you. Over 1 million people accessed our free content and tools last year.  Who else in the industry can say that? Our belief is that objective information delivered via the web is better for you and better for us.
  9. We don’t sell and we don’t call, unless you ask us to. 

    There’s nothing more annoying than a pushy sales pitch. Don’t worry, it’s not our thing.
How Can I Buy an Income Annuity?

At Blueprint Income, we offer income annuities from more than 15 highly rated insurance companies. Click below to use our annuity calculator to get real-time personalized quotes, where you can compare options offered from different insurers on an apples-to-apples basis.

From there, you'll get access to our annuity guides, team of specialists to help you analyze your retirement finances and walk you through the application process.

How Can I Buy a Fixed Annuity?

At Blueprint Income, we offer fixed annuities from more than 30 insurance companies. Click below to see the fixed annuity marketplace, which is updated daily. Filter and compare fixed annuities by insurer rating, term, state, and withdrawal allowance.

From there, you'll get access to our annuity guides, team of specialists to help you analyze your retirement finances and walk you through the application process.

Interested in getting fixed annuity rate updates delivered right to your mailbox? Sign up for our rate alerts.

Blueprint Income Team

We are a team of finance, insurance, and actuarial professionals working to make it easier for everyone to achieve a steady and comfortable retirement. We write about annuities (the good and the bad) and provide strategies to help Americans prepare for retirement.

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