Case Study: A Stable Foundation for an Active Retirement
How a fixed annuity from Axonic Insurance Provides Simplicity and Security for Retirees Who Prefer Trails Over Tracking the Market
Client Profile
A retired couple in their mid-60s, the Madisons spend their days hiking, camping, and exploring national parks throughout the western U.S. They split their time between their home in North Carolina and traveling in a small camper van.
Their retirement vision was clear: freedom from financial stress and the ability to spend their time outdoors—not monitoring markets or managing risk.
The Challenge
While they had saved consistently through 401(k)s and IRAs during their working years, the Madisons were concerned about:
Market volatility threatening their retirement income
Rising inflation impacting purchasing power
The desire to simplify their finances and reduce active oversight
Ensuring they had predictable income to cover recurring expenses like property taxes, healthcare, and travel.
They weren’t looking for high-risk returns, they wanted reliability. Their goal was to supplement their Social Security and pension income with a source they could count on—so they could spend their time doing what they love, not worrying about finances.
The Solution: A Multi-Year Guaranteed Annuity (MYGA)
Working with a licensed professional, the Madisons invested a portion of their retirement savings into a 5-year Multi-Year Guaranteed Annuity from Axonic Insurance.
Why a MYGA Fits Their Needs:
• Guaranteed fixed interest rate for the full 5-year term
• Zero exposure to stock market risk
• Principal protection, meaning their original premium was never at risk
• Tax-deferred growth, which helped optimize their retirement planning
They appreciated how a MYGA allowed them to “set it and forget it,” without having to constantly rebalance a portfolio or react to economic headlines.
The Outcome
With the MYGA in place, the Madisons now have:
• Confidence that their savings will grow at a guaranteed rate for the full term
• The freedom to travel and explore without worrying about their financial plan
• A clearer, more simplified retirement income strategy.
They can use their other assets for flexibility and travel, while their MYGA provides a secure foundation for monthly essentials. “We know the income will be there when we need it,” they shared with their financial professional. “That means we can spend more time outside and less time inside checking our accounts.”
For retirees who value stability, simplicity, and the freedom to enjoy life without financial worry, a Multi-Year Guaranteed Annuity from Axonic Insurance offers a reliable, low-maintenance solution.
It’s a powerful way to secure predictable income, protect against downside risk, and focus on what matters most—whether that’s hiking a new trail or simply enjoying peace of mind.
Ready to explore how a MYGA from Axonic Insurance can support your retirement goals?
Connect with your financial professional today to request a personalized illustration based on your desired investment amount and time horizon.
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This is a hypothetical case study for illustrative purposes only and should not be considered as financial advice. Individuals should consult with a qualified financial professional todetermine the suitability of annuities for their specific circumstances and goals.
Annuities are designed for long-term accumulation of money; surrender and/or withdrawal fees may apply on early withdrawals. Annuity withdrawals are subject to income tax, andwithdrawals prior to age 59½ may also be subject to an IRS penalty. Holding an annuity inside a tax-qualified plan does not provide any additional tax benefits.
If you annuitize a non-qualified annuity, a portion of your payment will be considered a return of premium and will not be subject to ordinary income tax. The amount that is taxable will be determined at the time you elect to annuitize the policy.
This document provides a brief summary of the product features. The contract associated with the product will contain the actual terms, definitions, limitations, and exclusions that apply.Products and services may not be available in all states. The statements and comments offered in this communication are provided as general information and ideas. They are not intended to be, nor should they be relied on as, investment, legal, tax advice, or recommendations.
Before making a decision or giving advice about any matter contained in this communication, financial professionals or individuals should consult an attorney or tax advisor foranswers to specific questions. All individuals selling this product must be licensed insurance agents.
Axonic Insurance refers to a group of affiliated legal entities that collectively specialize in designing, distributing, and servicing annuity and other investment products for individuals and institutions worldwide. Axonic Insurance Services LLC (“Axonic”), an insurance producer licensed in all fifty states and the District of Columbia, acts as a business process outsourcer, including for the US-issued annuities underwritten by the non-affiliated AmFirst Life Insurance Company, an Oklahoma domiciled life insurance company (“AmFirst”). AmFirst Insurance Company operates as AmFirst Life Insurance Company in California. Axonic Services LLC, a Puerto Rico limited liability company for profit, services the nonUS-issued annuities underwritten by its affiliated underwriter, Axonic Insurance Company SPC, a Class B(iii) insurer in the Cayman Islands licensed under the Cayman Islands Insurance Act, 2010 (as amended), as well as the non-affiliated AmFirst Life Insurance Company I.I., a corporation licensed as a Class 5 International Insurer and Segregated Assets Plan Company under Chapter 61 of the Insurance Code of Puerto Rico (“ALIC”). Axonic has ownership interests in segregated accounts of ALIC, which provide reinsurance coverage to AmFirst and other third-party insurers. Axonic Annuity and Life Insurance Company, a Texas domiciled life insurance company is an affiliate of Axonic.
Not FDIC/NCUA Insured | May Lose Value | Not Bank/CU Guaranteed | Not a Deposit | Not Insured by Any Federal Government Agency