Understand Your Options.Decide With Confidence.
Golden Hour Retirement gives you a plain-language guide to annuities, then connects you with one licensed insurance agent in your state. No pressure, and no cost to you.
- 100% Free Service
- Licensed Agents Only
- No Obligation
As Featured In
- USA
TODAY - yahoo!finance
- BENZINGA
One Agent
Your details go to one licensed agent, never a list.
Licensed In Your State
We only introduce agents licensed where you live.
Education First
You get the guide before you speak with anyone.
SIMPLE PROCESS
How It Works
It takes about two minutes to start, and you decide every step of the way.
Tell Us About Your Goals
Answer a few short questions about where you are with retirement and what matters most to you. About two minutes, no obligation.
Get Your Free Guide
Watch or read our Annuities 101 guide. It explains the main types of annuity, what each one does, and what to watch for.
Speak With A Licensed Agent
If it makes sense, book a video call with one licensed agent in your state. Bring your questions. Nothing is decided or signed on the call.
ANNUITIES 101
“Annuity” Means Five Different Things
People use the word as if it is one product. It is not, and the differences matter.
Fixed
A set interest rate for a set number of years. Closest thing to a bank certificate of deposit, issued by an insurance company.
Fixed Indexed
Growth is tied to an index, up to a limit the contract sets. A market fall does not reduce your balance, although fees and early withdrawal charges can.
Immediate Income
You hand over a lump sum and payments start right away and continue for life. You give up access to the money in exchange.
These contracts usually have a surrender period of several years. They are for money you can leave alone.
WHY GOLDEN HOUR
Straight Answers Before Any Call
We think you should understand what you are looking at before you talk to anyone about it.
Licensed Agents Only
Every agent we introduce holds an active insurance license in your state, checked before any introduction.
Clear About Who Gets Paid
The service is free to you. The agent pays us for the introduction, and the insurance company pays the agent if you choose to buy.
One Agent, Never A List
Your details go to one licensed agent in your state. We do not sell them to a list of companies.
100% Free Service
You never pay us anything, whether or not you ever speak with an agent.
HOW WE CHECK OUR AGENTS
Three Checks Before Any Agent Meets You
The agent you speak with should be someone you can verify.
State Insurance License
We check each agent's license with the state insurance department for every state they work in, before any introduction.
Insurance On File
Each agent provides proof of current errors and omissions insurance, which is professional liability cover.
Checked Again Regularly
We re-check licenses and insurance on an ongoing basis, not just once.
Not sure if an annuity is right for you?
Start with the free guide. No cost and no obligation.
COMMON QUESTIONS
Frequently Asked Questions
Yes. You never pay us anything.
Ready to Understand Your Retirement Options?
Start with the free plain-language guide, then decide if a conversation with a licensed agent makes sense. It takes about two minutes, and there is no obligation.
- 100% Free
- Takes 2 Minutes
- No Obligation