Annuities, explained simply.
Short, honest guides. No jargon, no sales pitch.
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 →Single or joint life? Choosing survivor income
Who keeps getting paid after the first death — and what it costs each month.
Read →SPIA vs CDs and Treasuries: income, access, and backing
Three ways to turn savings into income, and the real trade-offs between them.
Read →The three honest risks: inflation, liquidity, and early death
What can go wrong with lifetime income, and how people plan around it.
Read →Buying an annuity with IRA money vs savings
Same annuity, different tax treatment — and why the source of money matters.
Read →How to compare carrier quotes on identical terms
Make sure every quote you compare is for exactly the same thing.
Read →See what your savings could pay you — every month, for life.
Free estimate in under a minute. No name, email, or phone needed to see your result.
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.