See what your savings could pay you — every month, for life.
Get an income estimate in under a minute, modeled from published carrier quote surveys. No name, email, or phone number needed to see it. When you want personalized quotes, a licensed agent is a phone call away.
Quick estimate
Estimated monthly income, before tax · life only
$1,639 – $1,750 /month
Life-only payments are the highest because they stop at death. The full estimator compares guarantee options.
Estimates modeled from published carrier quote surveys as of October 1, 2026, and calibrated against live carrier quotes from October 2026; before tax. Exact quotes vary by carrier, state, and premium size.
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What $250,000 could pay each month
Single life, life-only income starting right away, before tax. Modeled from the 8-carrier average in published quote surveys as of October 1, 2026.
| Age | Man | Woman |
|---|---|---|
| 60 | $1,502/mo | $1,459/mo |
| 65 | $1,639/mo | $1,555/mo |
| 70 | $1,848/mo | $1,741/mo |
| 75 | $2,174/mo | $2,031/mo |
Life-only payments are the highest because they stop at death. Estimates modeled from published carrier quote surveys as of October 1, 2026, and calibrated against live carrier quotes from October 2026; before tax. Exact quotes vary by carrier, state, and premium size.
See $100k, $250k and $500k tablesThree ways to look at it
I have savings. What income could it buy?
Enter an amount and your age. See a monthly income range, the yearly total, and what it adds up to over a long life.
Income estimator →How much savings would buy my target income?
Enter the monthly income you want on top of Social Security. See roughly what one-time premium it takes.
Target income calculator →I have savings. What could they grow to?
Enter a deposit and choose 3, 4 or 5 years. See what it could grow to at today’s guaranteed MYGA rates, from typical to highest eligible.
Growth Calculator →Plain-English answers
What is a single premium immediate annuity (SPIA)?
The simplest annuity there is: a lump sum in, a paycheck out, for life.
Read →SPIA vs MYGA vs FIA: the three fixed annuities, compared
Income now, a set interest rate, or index-linked interest — what each does and what it costs to leave early.
Read →How annuities are taxed, in plain English
Why part of each check may be tax-free — and when all of it is taxable.
Read →Annuity guarantee options: what happens when you die?
Life only, period certain, or cash refund — and what your heirs get.
Read →12 questions to ask before you buy any annuity — including from us
A buyer’s checklist. Ask any seller these — including us.
Read →What $100,000, $250,000 and $500,000 buy in monthly income
Dated estimates modeled from published carrier quote surveys — and why the range matters.
Read →Common questions
Is the estimate really free? Do I need to give my email or phone number to see it?
Yes, it's free, and no — you can see your full estimate without entering any contact details. You only share contact information if you decide to ask for an exact quote or download the free guide.
How accurate are these annuity estimates?
Our income estimates use published carrier quote surveys and October 2026 live-quote calibration. Our growth estimates use a dated snapshot of published MYGA rates. Each tool explains its sources and assumptions. These are before-tax estimates, not quotes; actual availability and terms depend on the product and your circumstances. We refresh them monthly.
Is ITX Insurance Agency a real agency, or a lead-selling website?
We're a real insurance agency — we sell annuities, not leads, and we never sell your information. Every quote is prepared by a licensed agent: ITX Insurance Agency serves clients in all 50 states through Producers XL, and our licensed agents can provide quotes and submit applications in all 50 states.
What happens after I request an exact quote?
Your request goes to Ron Hensel, our President and the licensed agent behind ITX Insurance Agency, who prepares exact quotes from carriers available through Producers XL. We respond during our staffed hours — Monday to Friday 9 AM–6 PM ET, Saturday 9 AM–4 PM ET. There's no obligation and no pressure.
Which annuities can I estimate here?
Two kinds of fixed annuities. Our SPIA estimator illustrates lifetime monthly income — it turns a lump sum into a monthly check for life. Our MYGA calculator illustrates three- to five-year growth at a guaranteed rate. Try the tool that matches your goal.
How does ITX Insurance Agency get paid?
If you buy, the insurance company pays us a commission. That compensation is reflected in the product's pricing; we do not charge you a separate agency fee. Estimates and exact quotes are free.
Meet the person who'll call you
Ron Hensel
President
Ron Hensel is President of InsurTech Express and the licensed agent behind ITX Insurance Agency. He brings more than 24 years of deep industry expertise and firsthand insight into helping clients protect their hard-earned assets and plan for a more secure retirement. His experience includes senior annuity leadership roles at The Hartford and Global Atlantic Financial Group, where his division raised more than $30 billion in annuity premiums. Ron lives in Chesterfield, Missouri, with his wife, Charlotte, and their three sons.
We return messages during business hours, usually the same day. No obligation, ever. How we’re paid
Before You Buy an Income Annuity
A plain-English buyer's guide to turning your savings into monthly income for life — guarantee options, taxes, and the questions to ask before you sign. Email only — no phone number needed.