How Flexible Premium Deferred Annuities Help You Say ‘I’ve Got You’ — Even in Retirement
February 10, 2026
Retirement marks the end of a career, but love and responsibility don’t stop just because the paychecks do. You and your spouse made a promise to care for one another, and now it’s time to say “I’ve got you” with a plan for financial stability.
A flexible premium deferred annuity is one way to do that after employment ends. Here’s how flexible premium deferred annuities help couples plan for retirement income.
What Does ‘I’ve Got You’ Really Mean in Retirement?
Love in retirement means daily needs are met, dreams remain possible, and the surviving spouse knows they’ll be taken care of no matter what. With an annuity, savings can be turned into a predictable income stream, offering stability, reliability, and shared confidence.
Retirement planning helps address the common fears aging couples face: income gaps, longevity risk, health problems, changing circumstances, and more. Because love goes hand in hand with financial stability, being financially prepared for the future extends your care and commitment to your partner and the relationship.
How a Flexible Premium Deferred Annuity Supports Long-Term Planning
A flexible premium deferred annuity can be a good option for many reasons. This kind of annuity is flexible: Instead of paying a lump sum, you make ongoing payments over time, pause when needed, and adjust as life evolves. Income is deferred to the future.
Meanwhile, your principal is protected, and your assets grow tax-deferred until you are ready to use them. When retirement comes, that money becomes a steady stream of predictable income payments.
With a flexible premium deferred annuity, short-term accumulation is not the goal. Rather, this option helps you plan for future income that you won’t need to access right away.
Why Flexibility Matters for Couples and Families
Flexibility in your financial plan is important because sometimes “life happens.” Maybe you changed careers, had to pay for child or elder care, or faced unexpected expenses.
Flexibility can reduce pressure compared to other financial vehicles that require a larger one-time payment. A flexible premium deferred annuity can fit around your life during the inevitable ups and downs.
Here are some questions couples should ask before locking down a flexible premium deferred annuity or other type of annuity:
- When do we want the income payouts to start?
- How will this fit around our other investments, like Social Security, pensions, or 401(k)s?
- How much can we realistically afford to contribute each year?
- How much can we withdraw penalty-free each year?
- Does income continue for the surviving spouse?
- How do beneficiary payouts work?
Planning Ahead With Confidence and Care
Flexible premium deferred annuities are a great way to align emotional commitment with financial planning. The right annuity will provide stability and fit both partners’ long-term financial goals.
This kind of philosophy — prioritizing people over products — is a hallmark of 1891 Financial Life, where we specialize in providing tailored insurance solutions that cater to diverse needs. Our team is equipped to help you navigate these challenges with expertise and compassion. To learn more, contact us today for personalized assistance and to explore your options.
About 1891 Financial Life
Our culture is about looking out for you, for others, for family, for the community. That is how we go “Beyond Life Insurance.”
At 1891 Financial Life, we don’t just sell policies, we offer possibilities. We take pride in giving back to the communities we serve by providing quality and comprehensive insurance solutions.
We are a not-for-profit life insurance Society, which means the sales from these financial service products help fund member benefits, along with social, educational, and volunteer programs designed to respond to community needs. Our commitment to excellence has been recognized by Forbes, naming 1891 Financial Life among “The World’s Best Life Insurance Companies” in 2023 — and for the second time, as one of “America’s Best Life Insurance Companies,” ranking #1 in Term Life Insurance for 2026.
Our portfolio is extensive, ranging from various life insurance policies to our annuities to support your financial needs, no matter what stage of life you’re in.