MetLife is only one of 100+ insurers that offer guaranteed retirement income (they were just LUCKY enough to get the federal contract back in 1986!)
Today's Annuity Contracts Offer More Benefits than 40 Year Old Products:
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GUARANTEED Benefit NOT an Estimate
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Potentially Higher than — / month
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NOT IRREVOCABLE like MetLife
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Not Dependent on FUTURE YIELDS
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Not Dependent on Future INTEREST RATES
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The Open Market
All These Companies Are Competing For Your TSP Business — You WIN!
100+ carriers. One winner — chosen for you.
These companies compete on price — you benefit.
An independent advisor shops all of them to find your highest guaranteed income.
What Agents and Insurance Companies Are Conveniently FORGETTING TO TELL YOU About Guaranteed Income in Retirement
You MUST, MUST, MUST Obtain Your Retirement Income Salary When Interest Rates Are HIGH
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Does a borrower for a HOME LOAN enjoy buying a mortgage when Bankinterest rates are high?
Of course not!
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Does a borrower for a CAR LOAN enjoy buying his car loan when Bankinterest rates are high?
Of Course Not!
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And the Great TSP Secret is .....:
In Retirement, the Roles are REVERSED!
A GUARANTEED RETIREMENT INCOME
means that YOU ARE NOW MAKING THE LOAN, (in this case TO AN INSURANCE COMPANY) with your TSP funds. The Insurer is now OBLIGATED to make safe payments BACK TO YOU.
The size of those payments ARE BASED ON the interest rate environment AT THE TIME THAT YOU MAKE THE LOAN (buy the annuity).
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So What is YOUR ROLE when you place your TSP with the Insurer?
The Insurer is the BORROWER; You're the BANKER!
So Then... "LOAN OUT" your Money when Rates are High — Even if Retirement is 20 years away!
Because the Insurer WILL BE FORCED to PAY YOU BACK at the rate that YOU LOANED THE FUNDS OUT !!!
Annuity Interest Rate Required at TIME of Application
4.575%
Insurance Company Specific
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25-Year Total Payments
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If MetLife Drops Rate to:25-Yr Total
3.50%
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2.50%
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Liquidity
NONE
Irrevocable
10% free/yr + surrender access + accum. value
* Best Market Rate based on actual carrier quotes — rates updated week of March 13, 2026. Individual results vary.
* ⚠️ Index Annuity Joint Death Benefits are Always 100% (the same payment continues). Contact Jim for the best 50% SPIA options — this requires a different calculator.
By clicking 'Text Jim' you agree to share your calculator results with James Alden, creator of FedFinish and 26 year insurance agent, License 0C53378. Otherwise, your data is only saved to your browser; it does not exist elsewhere.
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You're All Set!
Jim will reach out to you shortly with the best guarantee available for your situation.
