Joint and Survivor Annuity in Wisconsin — Keep the Income Coming for Both of You

Joint and Survivor Annuity in Wisconsin — Keep the Income Coming for Both of You

Here’s something most Wisconsin couples don’t think about until later: what happens to your retirement income when one of you passes away? It’s not a fun question to ask, but it’s one of the most important. That’s where a Joint and Survivor Annuity can make a world of difference.

If you and your spouse want to make sure your income doesn’t stop when one of you does, this type of annuity can provide lasting financial security — and peace of mind — for both of you.

What Exactly Is a Joint and Survivor Annuity?

Think of it as a steady paycheck that never ends. A Joint and Survivor Annuity is designed for two people, usually a married couple. You’ll receive guaranteed monthly income for as long as either of you is alive. When one spouse passes away, the other continues to receive payments — either the full amount or a percentage, depending on the plan you choose.

It’s predictable, stable, and doesn’t depend on what the stock market is doing. That’s why so many Wisconsin retirees are choosing this option today.

How It Works (in Plain English)

• Lifetime income for both of you: Payments continue for the rest of your lives.
• You choose the survivor benefit: You can pick 100%, 75%, or 50% to go to your spouse after you’re gone.
• Tax-deferred growth: Your annuity grows without taxes until you start taking income.
• Protection from market ups and downs: You’ll know exactly what’s coming in every month — no surprises.

Why It’s Popular with Wisconsin Retirees

We meet couples every week from Milwaukee, Madison, Green Bay, and Eau Claire who are tired of worrying about market losses and unpredictable returns. They want something simple — income they can count on. That’s exactly what a joint and survivor annuity provides.

And if one of you outlives the other (which almost always happens), that steady income keeps coming. It helps cover the mortgage, healthcare, groceries, and everyday expenses — without dipping into savings.

Who Should Consider It?

• Married couples who want lifetime income for both spouses
• Those who prefer guaranteed payments instead of market risk
• Anyone who wants to make sure their spouse is financially secure no matter what

Let’s Build a Plan That Fits You

At Mintco Financial, we help Wisconsin couples create income plans that last a lifetime. As fiduciary advisors, we work for you — not the insurance companies — and we partner only with top-rated carriers. Whether you’re near retirement or already enjoying it, we can help you choose the right annuity option to protect your family’s future.

Let’s make sure your income — and your peace of mind — lasts as long as you both do.