Annuities that fits the way you live.
Income guarantees in retirement — when you're done with market risk on the dollars that have to pay the mortgage. We model alongside your CFP, not in place of one.
Why this coverage line is the one we get the most questions about.
Annuities are misunderstood — both oversold by some agents and over-criticized by some advisors. The truth: a fixed or indexed annuity is the right tool for a specific job — protecting a portion of retirement savings from market risk and converting it into guaranteed lifetime income. The wrong tool when it replaces a properly diversified portfolio. Yoshizumi Insurance Agency models annuities honestly against alternatives (CD ladders, bond portfolios, dividend equities) so you see the trade-offs. We coordinate with your CFP if you have one, and recommend you get one if you don't.
How we shop it.
Every quote runs across 30+ admitted and specialty carriers. For annuities, we focus on the markets that actually compete in California's current environment. We don't sell one company's product — we shop the result and recommend the carrier that fits your specific situation.
Insurance for the way you actually live
Whether you're looking for a annuities insurance broker near me, an independent insurance agent near me in San Diego County, or a boutique insurance agency near me with deep specialty-market relationships — this is the office. Featured on CBS 8 San Diego for explaining California's hardest insurance market in a generation.
The questions we hear about annuities coverage.
Are annuities a good idea?
For a portion of retirement savings — usually 20-40% of the safe-money allocation — yes. As a replacement for diversified investing, no. The right answer depends on your full picture: other income sources, longevity expectations, risk tolerance, estate goals.
What's the difference between fixed and indexed annuities?
Fixed: a guaranteed interest rate, like a CD. Indexed: a participation rate in a market index (often S&P 500) with a floor of 0% — you can't lose principal in a bad year, but you don't get the full market return in a good one.
Tell us a little about what you need to protect.
Send the basics and we'll come back with shopped quotes within 48 hours — same day if it's an escrow.