Fixed and Fixed Indexed Annuities in the Coastal Bend

Guaranteed growth, zero market risk, and local independent guidance across multiple A-rated carriers.

Your CD matures and the new rate is half of what you expected. You want your money to grow, but you are not willing to risk it in the market. Fixed and fixed indexed annuities were built for exactly that situation, and we help you find the right one.

Two Types of Fixed Annuities, One Simple Goal: Predictable Growth

Fixed Annuities (Including MYGAs)

A fixed annuity — including multi-year guaranteed annuities, or MYGAs — locks in a set interest rate for a defined term. Your principal is protected. Your rate is guaranteed. There are no surprises tied to market performance. Think of it as a CD alternative that typically offers a more competitive rate and the added benefit of tax-deferred growth.

Fixed Indexed Annuities

A fixed indexed annuity credits interest based in part on the performance of a market index — commonly the S&P 500 — but your principal is never directly exposed to market losses. When the index rises, you receive a portion of that gain up to a cap or participation rate. When the index falls, your account value does not. You keep what you've earned, and you never give it back.

Your Money Grows Without a Tax Bill Every Spring

One of the most overlooked advantages of annuities is how they handle taxes. With a CD, you owe taxes on interest earned each year — even if you haven't touched the money. Annuity earnings grow tax-deferred until you make a withdrawal. That means more of your money stays compounding year after year, not going to the IRS ahead of schedule.


For pre-retirees and retirees managing taxable income carefully, this difference adds up faster than most people expect.

How We Match You to the Right Annuity

We don't represent a single carrier or push a product of the month. As an independent agency, we run a suitability review across multiple A-rated carriers — including Aetna, AIG, Prudential, Transamerica, and others — and compare current fixed annuity rates, terms, and indexed crediting strategies side by side.

What we look at:


  • Your timeline: when you'll need access to the funds


  • Your income goals: guaranteed income now, growth for later, or both


  • Your tax situation: how deferral fits your overall retirement picture


  • Carrier strength: only A-rated carriers make the list


  • Surrender terms and liquidity provisions: so there are no surprises


Raymond Scott holds MDRT (Million Dollar Round Table) certification for 2026 — a credential earned by fewer than 1% of insurance and financial professionals worldwide. You're getting a review from someone who does this at a high level, not a generalist.

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Fixed Annuity Questions We Hear Most Often

  • What is a fixed indexed annuity and how does it work?

    A fixed indexed annuity is an insurance contract that credits interest based in part on the movement of a market index, such as the S&P 500. Your principal is not invested in the market — it is protected from loss. When the index performs well, you receive a portion of that gain. When it falls, your account value holds. Growth accumulates tax-deferred until withdrawal.


  • Are fixed annuities safer than CDs in Texas?

    Both are low-risk options, but they work differently. CDs are FDIC-insured up to $250,000 per bank. Fixed annuities are backed by the issuing insurance company's reserves and covered by the Texas Life, Accident, Health and Hospital Service Insurance Guaranty Association up to applicable limits. For larger sums, annuities from A-rated carriers are widely considered a sound alternative — and often offer better rates with the added benefit of tax deferral.


  • What is a MYGA and how is it different from a regular fixed annuity?

    MYGA stands for multi-year guaranteed annuity. It functions similarly to a CD: you lock in a guaranteed interest rate for a set number of years — typically two to ten — and your principal is protected throughout. The key differences from a CD are tax-deferred growth and typically no annual 1099 until you withdraw. It's one of the most straightforward fixed annuity options available.

  • How do I know which annuity is right for me?

    The right product depends on your timeline, income needs, tax situation, and how much flexibility you want. That's exactly what our suitability review covers. We compare options across multiple carriers and walk you through the differences in plain language before you make any decision.


  • Can I lose money in a fixed indexed annuity?

    Your principal is protected from market loss in a fixed indexed annuity. You will not lose money due to index declines. However, surrender charges may apply if you withdraw funds before the end of the contract term, and some contracts have fees that can affect net returns. We review all of this with you before any product is recommended.

Talk to Someone Who Knows This Market — and Knows You

We've served seniors and pre-retirees across the Coastal Bend since 2008. Whether you're in Corpus Christi, Portland, Rockport, or right here in Ingleside, you get the same thing: a direct conversation with Raymond Scott, a free review of your options, and a recommendation matched to your situation — not a sales quota.

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