Futurity is a modern annuity, a financial tool where you invest money now for guaranteed monthly payouts in the future, regardless of market conditions. Unlike other investments, annuities exist to eliminate income and return risk.
Futurity charges a flat $99 annual fee – we do not charge a percentage of your account value. Your money grows as you invest it and our low fee ensures it grows as much as possible and the fee does not change as your account value increases.
Annuities usually need an upfront payment to get started, often $50K or more. With Futurity, there’s no large upfront payment. Instead, we offer a monthly subscription-style payment, so you can start with an amount that works for your budget.
For most Americans, the biggest cost during retirement is long-term care, like a home care aide or assisted living. Your account automatically includes built-in long-term care insurance so that's one less product you need to worry about buying.
With Futurity, you're investing on a monthly basis and your money is growing in a tax advantaged manner. You'll pay taxes on the payouts but not the investment growth. Also, you can contribute pre or post tax dollars for further tax optimization.
As you invest, your account value grows, and sometimes you'll need access to your money. With Futurity, you can access your funds with zero fees. Our tools help you understand how a withdrawal impacts your plan, and you can adjust your goals.
Your account view lets you easily see the plan you’ve purchased, including your premium, payout amount, and when payouts will begin. You can edit your plan settings anytime. It also shows a summary of your contributions and payouts over time, and allows you to add or withdraw from your account balance as needed.
Just answer four questions:
With that information, we’ll provide how much you'll need to invest each month to meet your goals (e.g., to receive $2,500 per month at age 65, you'll need to invest $150 per month).
No phone calls, medical exams, or brokers needed—just get started in minutes.
Futurity is a "deferred fixed rate annuity" that lets you contribute any amount you can afford, making it easy to get started and manage. Your money grows over time, just like with other investments, and you can access it as it grows. We like to think of Futurity as the annuity that covers your "everyday expenses," so the money in your 401(k) or brokerage account can fund the fun stuff in retirement.
A summary of how Futurity's annuity product compares to other investment strategies:
Certificate of Deposit
CDs offer a fixed interest rate for a set term and are a smarter option for managing larger sums than a regular checking or savings account. However, they don’t address our goals: providing you with steady, lifelong monthly income in retirement and additional funds to help cover high care costs if needed.
401(k) or Roth IRA
There's nothing better than tax-advantaged growth! Futurity isn’t here to replace your 401(k) or Roth IRA. It's designed to take the risk out of your retirement savings. Your 401(k) and Roth IRA are exposed to market ups and downs, and you can’t predict what will happen when you need the money. Futurity removes that uncertainty with guaranteed income. We think your 401(k) or Roth IRA should fund your retirement dreams, like travel, while Futurity covers your everyday expenses.
Stocks
Individual stocks, like those bought through Robinhood, offer flexibility and liquidity. While Futurity doesn’t provide the same trading experience, it grows your money like the stock market and allows access to your cash anytime with zero fees.
Treasury Bills
One of our main goals is to eliminate risk, and treasury bills do that too. But Futurity goes further by guaranteeing a lifelong income stream without needing to invest large sums upfront. You can contribute as little or as much as you want each month.
Other Annuities
There are hundreds of annuities out there, but we aim to be the simplest with the benefits that matter most to you. Other annuities often require large upfront payments ($50,000+), we don't. They come with complicated fees and penalties, we don't. Many long-term care insurance products require a medical exam and deny 80% of applicants due to health conditions, we don’t.
With Futurity, you can get started in minutes, set a monthly payment that fits your budget, and adjust your plan anytime.
Still unsure? Here's how we think about it...
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We're a long-term partner
We've partnered with Metlife to deliver our unique annuity. We are your long-term partner that you can depend on to support you leading up to and during your retirement years.
