Secure Your Future with Guaranteed Income.

Annuities are one of the most powerful tools available. Whether you're nearing retirement or looking to protect your nest egg, an annuity can offer guaranteed income, tax advantages, and long-term stability.

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An Excellent Retirement Product

Work with a Local Ohio Annuity Specialist

We’ve been helping Ohio families since 1976, and as an independent agency, we represent you—not the insurance company. That means we compare plans from multiple top carriers to find the right fit for your financial needs and retirement goals.

Our annuity services include:

Free policy reviews
Customized retirement income strategies
No-obligation consultations
Honest guidance you can trust

Let’s Talk About Your Retirement Goals

Your retirement should be something you look forward to—not something you stress over. Our team at Ohio Insurance & Financial Services is here to help you build a plan that works.

Schedule my free annuity consultation today

Are Annuities Right for You?

A smart solution if you:

Are within 5–10 years of retirement
Want guaranteed income to supplement Social Security or a pension
Prefer stability over market volatility
Have maxed out your IRA or 401(k) contributions

Annuities turn your retirement savings into guaranteed, lifelong income—so you can stop worrying about outliving your money and start enjoying the life you planned for.

Types of Annuities We Offer in Ohio

✅ Fixed Annuities

Offer guaranteed interest and consistent income
Ideal for conservative investors
Great for Ohioans looking to protect principal and avoid market volatility

✅ Indexed Annuities

Earnings tied to a market index (like the S&P 500), but with downside protection
Potential for higher returns than a traditional fixed annuity
Suitable for pre-retirees seeking a balance between risk and reward

✅ Immediate Annuities

Provide income right away (within 12 months of purchase)
Often used by retirees who want to convert a lump sum into lifetime payments

✅ Deferred Annuities

Let your money grow tax-deferred until retirement
Payments begin at a future date, allowing time for interest accumulation

Info on this site is general and not insurance advice. Coverage varies and is subject to underwriting. Consult a licensed agent. OIFS is not liable for any losses from use.

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Labor Day Announcement

Our offices will be closed on Monday, September 1, 2025 in observance of Labor Day. We will reopen for normal business hours on Tuesday, September 2.

Wishing you and your family a safe and enjoyable holiday!