See what your savings could pay you — every month, for life.
Get an income estimate in under a minute, modeled from published carrier quote surveys. No name, email, or phone number needed to see it. When you want personalized quotes, a licensed agent is a phone call away.
Quick estimate
Estimated monthly income, before tax · life only
$1,639 – $1,750 /month
Life-only payments are the highest because they stop at death. The full estimator compares guarantee options.
Estimates modeled from published carrier quote surveys as of October 1, 2026, and calibrated against live carrier quotes from October 2026; before tax. Exact quotes vary by carrier, state, and premium size.
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What $250,000 could pay each month
Single life, life-only income starting right away, before tax. Modeled from the 8-carrier average in published quote surveys as of October 1, 2026.
| Age | Man | Woman |
|---|---|---|
| 60 | $1,502/mo | $1,459/mo |
| 65 | $1,639/mo | $1,555/mo |
| 70 | $1,848/mo | $1,741/mo |
| 75 | $2,174/mo | $2,031/mo |
Life-only payments are the highest because they stop at death. Estimates modeled from published carrier quote surveys as of October 1, 2026, and calibrated against live carrier quotes from October 2026; before tax. Exact quotes vary by carrier, state, and premium size.
See $100k, $250k and $500k tablesThree ways to look at it
I have savings. What income could it buy?
Enter an amount and your age. See a monthly income range, the yearly total, and what it adds up to over a long life.
Income estimator →How much savings would buy my target income?
Enter the monthly income you want on top of Social Security. See roughly what one-time premium it takes.
Target income calculator →I have savings. What could they grow to?
Enter a deposit and choose 3, 4 or 5 years. See what it could grow to at today’s guaranteed MYGA rates, from typical to highest eligible.
Growth Calculator →Plain-English answers
What is a single premium immediate annuity (SPIA)?
The simplest annuity there is: a lump sum in, a paycheck out, for life.
Read →SPIA vs MYGA vs FIA: the three fixed annuities, compared
Income now, a set interest rate, or index-linked interest — what each does and what it costs to leave early.
Read →How annuities are taxed, in plain English
Why part of each check may be tax-free — and when all of it is taxable.
Read →Annuity guarantee options: what happens when you die?
Life only, period certain, or cash refund — and what your heirs get.
Read →12 questions to ask before you buy any annuity — including from us
A buyer’s checklist. Ask any seller these — including us.
Read →What $100,000, $250,000 and $500,000 buy in monthly income
Dated estimates modeled from published carrier quote surveys — and why the range matters.
Read →
Meet the person who'll call you
Ron Hensel
President
Ron Hensel is President of InsurTech Express and the licensed agent behind ITX Insurance Agency. He brings more than 24 years of deep industry expertise and firsthand insight into helping clients protect their hard-earned assets and plan for a more secure retirement. His experience includes senior annuity leadership roles at The Hartford and Global Atlantic Financial Group, where his division raised more than $30 billion in annuity premiums. Ron lives in Chesterfield, Missouri, with his wife, Charlotte, and their three sons.
We return messages during business hours, usually the same day. No obligation, ever. How we’re paid
The Free SPIA Buyer’s Guide
A short, plain-English guide to income annuities: how they work, what to compare, and the questions to ask any seller. Email only — no phone number needed.