VARIABLE ANNUITIZATION FOR LIFETIME INCOME
Transfer Longevity Risk
And harness the capital markets to shape tomorrow's income
What Is Variable Lifetime Income?
Variable lifetime income permanently transforms retirement savings into guaranteed lifetime payments. Unlike fixed lifetime payments, which are subject to inflation risk, variable lifetime payments are designed to help manage inflation risk through flexible stocks, bonds, real estate, and other investment portfolios.
“Essentially, people are trading money when they don't need it for money as long as they do need it."
— Robert C. Merton, Nobel Laureate
Variable lifetime income begins with an variably annuitized Single Premium Immediate Variable Annuity (SPIVA) and a life-contingent income option. You select the insurance company, an assumed interest rate (AIR), and your initial investment accounts. Your payments then will vary with the capital market.
Why It Matters →
Evidence
Insights shaping retirement income
\Why do so few retirees choose lifetime income despite decades of research supporting it? Explore Nobel Prize-winning research, and insights on retirement income, longevity, inflation, and the capital markets.
Components
Annuitizing variably a variable annuity
Every variable income contract combines insurance, investments, and contract provisions differently. Understand the features that influence retirement income, costs, flexibility, and purchasing power.
Discover the building blocks →
Compare
Explore the market
Only a select group of providers offer guaranteed variable lifetime income. Compare their contract features and the distinctions that matter. Each company profile includes carrier prospectuses, fact sheets, separate account investment expenses, and related educational materials for your review.
Compare insurance companies →
About Us
Retirement is more than a financial transition—it is a new stage of life that deserves confidence, clarity, and a dependable source of lifelong income.
We help retirees and near-retirees preserve purchasing power by integrating professionally managed variable lifetime income into comprehensive retirement strategies tailored to each client's goals, priorities, and stage of retirement.
Vanuitize™ is the variable income advisory practice of Grosse Point Capital Management. Contracts and separate accounts managed through GP Insurance Brokerage.
