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My Annuity Store, Inc. - Because Retirement Isn't Supposed to be Hard

I spent the first 10 years of my career practicing as a licensed mental health therapist providing group and individual therapy. During that time it became crystal clear to me that a person's financial health has a huge impact on their mental health. I help retirees and soon-to-be retirees make the transition from accumulation to distribution in retirement. I specialize in retirement income planning, tax-efficient distribution strategies, legacy planning, and social security optimization. I approach financial planning from a behavioral perspective to create financial plans that increase confidence and reduces stress and anxiety in retirement.

— Kiara Caudill, Annuity Expert

New York Life
Reliance Standard
Great American
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What is an annuity?

How annuities help you retire

Annuities can help ensure a retirement strategy and income that lasts as long as you do, which is likely to be a very long time.

  • Tax-Deferred Growth

    In general, during the accumulation phase of an annuity contract, your earnings grow tax-deferred. You pay taxes only when you start taking withdrawals from the annuity.

  • Predictable Income For Life

    Income riders may be an effective vehicle for lasting financial security. When paired with the right annuity, an income rider can provide a steady income stream for the rest of your life.

  • Death Benefits For Heirs

    The owner can designate a beneficiary to inherit the remaining annuity payments after death. After an annuitant dies, insurance companies distribute any remaining payments to beneficiaries.

  • Certain level of guarantee

    You know what your rate of return will be for a certain period of time with the fixed annuities. For seniors looking for a predictable income stream, that may be a better alternative than putting money into equities.

What type of annuity is right for you?

Your personal goals, objectives and risk tolerance will determine the type of annuity that is right for you.

Fixed Index Annuities

A form of fixed annuity that earns interest due to changes in a market index, where the growth is bench-marked to a stock market index rather than an interest rate.

  • Full protection of principal

    FIAs are protected from the volatility of the markets. Your money is never in the stock market. Your crediting strategy tracks the stock market, but you don’t own securities that can fall in value.

  • Can potentially provide better rates than CDs

    From the 1999 to 2010 many fixed index annuities have actually outperformed the indexes they were correlated with. However, they really aren't designed to outperform the stock markets even though they do at times.

  • Efficient way to plan for future income needs

    Once you annuitize it with lifetime payout option or turn on the income rider payouts, you cannot outlive that income stream.

Top rates for S&P 500 annual point-to-point accounts with cap
Top guaranteed monthly lifetime payouts from an income rider
Securian Financial
Assuming male, $100,000 premium, issue age 55 and commencing at age 65.

Traditional Fixed Annuities

Fixed annuities are insurance contracts that pay a guaranteed rate of interest on the account owner's contributions.

  • Predictable investment returns

    The rates on fixed annuities are derived from the yield that the life insurance company generates from its investment portfolio, which is invested primarily in high-quality corporate and government bonds.

  • Guaranteed minimum rates

    Once the initial guarantee period in the contract expires, the insurer can adjust the rate based on a stated formula or on the yield it is earning on its investment portfolio. As a measure of protection against declining interest rates, fixed annuity contracts typically include a minimum rate guarantee.

Current yield to surrender is shown for corresponding surrender period
4 yrs
5 yrs
7 yrs
Forethought Global Atlantic
9 yrs
10 yrs

Multi-Year Guaranteed Annuities

A multi-year guaranteed annuity, or MYGA, offers a predetermined and contractually guaranteed interest rate for a fixed period of time.

  • Less risk

    Since a MYGA offers a guaranteed interest rate for the entire contracted term, it’s considered a less risky investment than a variable or indexed annuity.

  • Flexibility and liquidity

    The ability to take partial withdrawals yearly without a penalty affords flexibility. For example, if you need money to cover a large medical bill you could pull it out of your MYGA, which might be a preferable option to taking money from an IRA or getting a 401(k) loan.

Guaranteed yield to surrender is shown for corresponding surrender period
3 yrs
4 yrs
5 yrs
7 yrs
9 yrs
10 yrs

Kiara Caudill

Independent Insurance Agent
License 19609263
Indiana, Michigan, Ohio, Texas, California, Arizona, Florida, Missouri, Virginia, Illinois, Connecticut, Georgia, North Carolina, Nevada, New Jersey, Tennessee


10497 Balroyal Court

Fishers, 46037

Phone number

“I made a mid-life career change and was looking for a way to roll over my 401K into something safe. I stumbled upon and am glad I did. Kiara was great and the electronic application was quick and simple.”

Lucas Hakala

“Great people to work with! The electronic application process was quick and easy. Would highly recommend their services to anyone!”

Nathan Rivers

“Positive: Professionalism, Quality, Responsiveness, Value The annuity store has done a great job helping me understand the best-fixed index annuities. They are very professional and timely in their communications. The service has been excellent. I do not hesitate to do further business with them.”

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Annuities are distributed by My Annuity Store, Inc. Guarantees are subject to the claims-paying ability of the insurer. My Annuity Store, Inc. does not advise clients on the purchase of non-fixed annuity products. The information presented here is not of tax or legal nature and is not intended to be a recommendation to purchase a fixed annuity, fixed index annuity, variable annuity contract, registered index-linked annuity (RILA), immediate annuity (SPIA), longevity annuity, or Qualified Longevity Annuity Contract (QLAC). The contract features described may not be current and may not apply in the state in which you reside. Annuities are issued by Insurance companies and contracts are ‘state-specific. Insurance companies also change their products and information often and without notice. Annuities are subject to the terms and conditions of the specific contract issued by the insurer, are not FDIC or NCUA insured, are not bank guaranteed, may lose value, and are not a deposit. The information presented here is not a representation regarding the suitability of any concept or product(s) for an individual and it does not provide tax, accounting, or legal advice. It is important to read the prospectus carefully and consider your objectives, risks, fees, and charges associated with the contract. You should always consult your own financial planning, tax, and legal counsel to determine if a fixed annuity, immediate annuity, longevity annuity, or Qualified Longevity Annuity Contract are suitable in your financial situation. Please call us at (855) 583-1104 if you have any questions or concerns.

Annuity products are offered through independent licensed insurance agents. Product availability, features and rates may vary by state. This information does not represent a recommendation or advice specific to your situation. The annuity information provided comes from sources deemed to be reliable but cannot be guaranteed. Check with the annuity company for current product information, and review all annuity rates, terms, conditions and costs before making a purchasing decision. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing company.

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