Free retirement income education
Annuities, Explained in Plain English — and How to Tell If One Belongs in Your Retirement
Some people love annuities, some people hate them. The truth is somewhere in the middle. Take a 60-second quiz, and if it makes sense, talk it through with a licensed agent — plus a free masterclass before your call.
- 100% free
- Licensed insurance agents
- No obligation
What you'll learn
Straight answers, no jargon.
What an annuity actually is
In plain English — the handful of basic types, and what each one is really for.
The real downsides
Your money can be tied up, there can be surrender charges, and the many types aren't all alike.
Whether one fits your goals
A simple way to tell if an annuity belongs in your retirement — or doesn't.
How it works
Three simple steps.
- 1
Take the 60-second quiz
A few quick questions so we can point you to the right information.
- 2
If it's a fit, pick a time
Book a free call with a licensed insurance agent — no obligation.
- 3
Watch a short masterclass
Before your call, a short video answers the questions most people have.
The main types
Three kinds, in plain English.
There are more, but most come down to these three — each built for a different goal, each with a trade-off.
Fixed-rate annuity
Built for a set, predictable rate of growth over a set term. The trade-off: your money is committed for that term, with surrender charges if you take it out early.
How the types compare →Fixed indexed annuity
Built for growth tied to a market index, with a floor that limits the downside. The trade-off: your gains are usually capped, and it's more complex than a plain fixed annuity.
How the types compare →Income annuity
Built to turn a lump sum into income you can't outlive. The trade-off: you generally give up access to that lump sum once it begins.
How the types compare →Why Mirta Group
Honest guidance you can trust.
No pressure, no jargon, no hidden agenda — just plain-English education and a clear next step if you want one.
Education first, not a sales pitch
We explain how annuities actually work in plain English. The quiz and the masterclass are free, and nothing here is a pitch.
Licensed, vetted agents
If it's a fit, you talk with a licensed insurance agent we've checked — license, complaint history, and real annuity experience.
No cost, no pressure
Our service is free to you, with no obligation. Agents pay us a flat fee to educate and schedule — never tied to whether you buy.
Your information stays private
What you share goes only to Mirta Group and the one licensed agent named in the form. We never sell it to lists.
Who this is for
People approaching or in retirement.
If you want to understand your retirement income options — and figure out whether an annuity belongs in the picture — this is for you. No prior knowledge needed; we start from the basics.
Still deciding?
Not sure if an annuity is even right for you?
That's exactly what the quiz and the free call are for — honest answers, no pressure, no cost.
Who's behind this
Education from Mirta Group.
I'm Jeff Adolphe, founder of Mirta Group. I'm an educator — not a licensed insurance agent. My job is to explain how annuities actually work in plain English so you can decide for yourself. If you want to go further, you'll talk with a licensed insurance agent.
How we choose the agent you'll meet
Vetted before we introduce them.
Before we connect you with anyone, we check:
- License verified with the state insurance department
- Complaint and disciplinary history checked with the state
- Real annuity experience
Questions
Fair questions, honest answers.
Is this a sales pitch?
Education first. The quiz and masterclass are free; if you book, the call is with a licensed insurance agent and there's no obligation.
Do you recommend products?
No. Only a licensed insurance agent can, on a call, after understanding your situation.
What does it cost?
Nothing.
How does Mirta Group get paid?
Licensed agents pay us a flat fee to educate and schedule people like you. It never costs you anything, and it never depends on whether you buy.
Will someone call me?
Jeff may call to help you find a time, or to confirm a time you booked. You can tell us to stop at any time.
Will my information be sold?
No. It goes only to Mirta Group and the one licensed agent named in the form.
What's the call like?
About 30 minutes on a video call, link sent by email. Your goals, your current setup, and whether an annuity fits at all.
Can I use this if I already have a financial advisor?
Yes. Think of it as a second opinion on the annuity piece of your plan. Nobody's asking you to leave your advisor.
Ready when you are
See if an annuity makes sense for you.
A few quick questions — and if it's a fit, pick a time for a free call.