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Imagine your life with guaranteed income

Retirement Read Time: 4 min
This may seem like an unusual way to plan for your financial future but give it a try: sit down and take a slow, deep breath. Let your shoulders relax and your mind grow calmer. Now ask yourself, “how do I want to spend my time?” Then let your imagination play. Often, people worry they don’t have enough money to do what they really want with their time. But what if you had guaranteed income for years to come? Then what would you do with your time?

In case you want a little inspiration, play around with these ideas:

Master the art of salsa dancing

According to those who have learned salsa as an adult, “the basic rhythm must be ingrained in your muscle memory” before you can dazzle on the dance floor.This takes time and consistent practice. Dancers say it’s better to practice salsa regularly, even if it’s just 10 minutes a day, rather than an hour only once a week. With guaranteed income in retirement, you’ll have the time for daily devotion to the quick, quick, slow steps of this global dance phenomenon. 2

See every movie you desire

On March 23, 2017, Frenchman Vincent Krohn walked into a Paris theater and watched the first of over 700 films in a year. This feat landed him in the Guinness Book of World Records for the “most films seen in a cinema in one year.” 3 (That’s an average of 14 movies a week!) With regular proceeds from an annuity, you might be able to give Mr. Krohn a run for his record. Or if record-breaking notoriety isn’t your thing, you could simply enjoy a new film every week at your local theater.

Hang with the animal kingdom

Perhaps you’ve always been an animal lover, and looking ahead, you want to spend your days with the residents at your local zoo. As it’s famously said, “membership has it perks,” and this includes zoo memberships. Some offer benefits like allowing people to enter before public hours and express entry on the zoo’s busiest days. With an annuity, the guaranteed income may give you more time to spend with the birds, the beasts (and the concession stand) whenever you want. 2

Design your dream city

You could also take a creative cue from Karl Sperber in Germany. He has been crafting buildings out of cardboard for more than sixty-five years. Today his structures cover over 430 square feet of floor space which he has dubbed “Sperber City.” He started when he was only 13 years old and still builds 100 structures a year. As you can imagine, he needs a lot of time to pursue his paper city. In fact, he spends about three hours a day deep in cardboard, pencils, rulers and glue. 4 If you had this kind of time, what would you create?

Making your dreams into reality

Having a source of guaranteed income apart from Social Security is the number one financial priority for working Americans. 5 It may seem too good to be true, but annuities can help provide you income to help make your retirement dreams a reality — from salsa to the movies to the zoo and more.

Annuities offer future income

An annuity is a product that you purchase from an insurance company, and you can pay for it either in one lump sum or in small amounts over time. Likewise, when the annuity reaches its payout phase, you can receive its benefit in regular payments or all at once. If you decide to receive regular payments, you can determine how long you want the payment period to be. In this way, the annuity becomes guaranteed income, and many people get an annuity to fund their dream retirement activities.

Remember, your best days begin by imagining how you want to spend them. As your vision comes into focus, talk with a financial professional about options for establishing guaranteed income — and living the life you want.


1 How Long Does it Take to Learn Salsa?, Dancefeed, June 23, 2018

All annuity guarantees including the death benefit payments are backed by the strength and claims paying ability of the issuing insurance company.

3Guinness Book of World Records, August 14, 2018

4 House of Cardboard: How a German Pensioner Build a Mini Metropolis Over 65 years, The Local, September 7, 2018

5 The Guardian Study of Financial and Emotional Confidence, 2021


Annuities are long term investment vehicles designed to help investors save for retirement and involve certain contract limitations, fees, expenses and risks, and depending on the type of annuity may including possible loss of the principal amount invested. With variable annuities investment return and principal value may fluctuate so that the investment, when redeemed, may be worth more or less than original cost. As with many investments, there are fees, expenses and risks associated with these contracts. All guarantees including the death benefit payments are dependent upon the claims paying ability of the issuing company and do not apply to the investment performance of the underlying funds within a variable annuity. Assets in the underlying funds are subject to market risks and may fluctuate in value. Withdrawals of taxable amounts will be subject to ordinary income tax and possible mandatory federal income tax withholding. If taken prior to age 59½, a 10% IRS penalty may also apply. Withdrawals affect the variable annuity’s death benefit, cash surrender value and any living benefit and may also be subject to a contingent deferred sales charge. Variable annuities and their underlying variable investment options are sold by prospectus only. Investors should consider the investment objectives, risks, charges and expenses carefully before investing. This and other information are contained in the prospectus or summary prospectus, if available, which may be obtained from your investment professional. Please read it before you invest or send money.

Brought to you by The Guardian Network © 2022. The Guardian Life Insurance Company of America®, New York, NY   

2023-164956 Exp. 11/2025 *pre-approved content*

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Sam Duffey
Sam Duffey
Ashford Brokerage, CA License #0J09024, AR License #15480533 Director of Brokerage Sales (205) 843-9434

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