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Annuities in Grand Rapids, MI

Annuities can play a valuable role in retirement — providing guaranteed income, growth, or both — but the market is crowded and the products are easy to get wrong.

As independent advisors at Lubbers & Associates, LLC, we help West Michigan families understand whether an annuity fits their goals, and if so, compare options across a broad market of carriers.

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Annuities, Explained Simply

We'll explain the trade-offs — liquidity, fees, guarantees, and timing — in plain language, so you understand exactly what you're considering.

Fixed Annuities (including MYGAs)

Predictable, guaranteed growth over a set term. Ideal for conservative accumulation without market risk.

Income Annuities (including SPIAs)

Converting savings into a guaranteed income stream. Designed to provide lifetime security and reliable cash flow.

Other Structures

Matched to your timeline, goals, and risk comfort. We help navigate index-linked and variable options safely.

FAQ: Annuities

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A Broad Market, Not a Single Product

Through our annuity platform, we can compare offerings across a wide range of carriers and products, rather than steering you toward one company's lineup.

That breadth is the advantage of working with an independent firm like Lubbers & Associates. We work for you, not the insurance companies, ensuring your retirement strategy remains objective.

Compare Current Annuity Rates

Is an Annuity Right for You?

The honest answer is "it depends" — and we'll tell you when it isn't. Our job is to help you decide clearly, not to sell you a product.

  • When It Makes Sense
    If you need guaranteed lifetime income, want to protect principal from market downturns, or have maximized other tax-deferred accounts.
  • When It Doesn't
    If you need immediate liquidity for all your capital, have a short time horizon, or already have sufficient guaranteed income from pensions and Social Security.
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Common Annuity Questions

What is the difference between a MYGA and a SPIA?

A Multi-Year Guaranteed Annuity (MYGA) acts similarly to a CD, offering a fixed interest rate for a set period. A Single Premium Immediate Annuity (SPIA) converts a lump sum into immediate, guaranteed income payments.

You can see current MYGA rates from multiple carriers on our platform.

Are annuity earnings taxable?
Yes, earnings grow tax-deferred, but withdrawals are taxed as ordinary income. If purchased with pre-tax dollars (like a traditional IRA), the entire withdrawal is taxable.
What are the fees associated with annuities?
Fees vary widely by product type. Fixed and immediate annuities often have no explicit ongoing fees, while variable and indexed annuities may have administrative fees, rider costs, and surrender charges for early withdrawals.

Schedule a Consultation

Ready to explore if an annuity fits your retirement plan? Contact Lubbers & Associates, LLC today. We are an independent office located in Grandville, MI, proudly serving families across West Michigan.

Schedule a Consultation