{"id":6402,"date":"2025-10-15T17:22:46","date_gmt":"2025-10-15T17:22:46","guid":{"rendered":"https:\/\/americangulf.com\/?page_id=6402"},"modified":"2026-06-02T21:10:36","modified_gmt":"2026-06-02T21:10:36","slug":"fixed-annuities","status":"publish","type":"page","link":"https:\/\/americangulf.com\/es\/products\/fixed-annuities\/","title":{"rendered":"Anualidades Fijas"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"6402\" class=\"elementor elementor-6402\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6356e30 e-con-full e-flex e-con e-parent\" data-id=\"6356e30\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1602c03 e-flex e-con-boxed e-con e-child\" data-id=\"1602c03\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-98c1d14 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"98c1d14\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Guaranteed<br>Income,<br>Protected<br>For Life<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a9ec9a e-con-full e-flex e-con e-parent\" data-id=\"3a9ec9a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6884c69 e-flex e-con-boxed e-con e-child\" data-id=\"6884c69\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-86a0c14 e-con-full e-flex e-con e-child\" data-id=\"86a0c14\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fda72ad e-con-full e-flex e-con e-child\" data-id=\"fda72ad\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20ea85d elementor-widget-mobile__width-inherit elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"20ea85d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Are Fixed Annuities?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6bdae3 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"b6bdae3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fixed annuities offer a secure, low-risk way to grow tax-deferred money for retirement. Fixed annuities, like a multi-year guaranteed annuity (MYGA), can be a smart choice as part of a diversified retirement portfolio, and will allow you to grow money safely for a period of time until you\u2019re ready to use it.<\/p><p>Growth is based off the interest rate of the annuity, and will increase steadily throughout the term of your contract. Since there is no market risk associated with a fixed annuity, your principal (the money you put in at the start of your contract) is guaranteed to grow at a fixed, steady rate, for a set period of time, making a fixed annuity a reliable place to put money you want to protect before retirement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-938f56e elementor-align-left elementor-mobile-align-justify modern-btn elementor-widget elementor-widget-button\" data-id=\"938f56e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/americangulf.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"34\" height=\"34\" viewBox=\"0 0 34 34\" fill=\"none\"><path d=\"M5.31415 5.33224C8.31473 2.33166 12.4216 0.683194 16.7314 0.749498C21.0412 0.815802 25.2008 2.59144 28.2951 5.68579C31.3895 8.78014 33.1651 12.9397 33.2314 17.2495C33.2977 21.5593 31.6493 25.6662 28.6487 28.6668C25.6481 31.6673 21.5412 33.3158 17.2314 33.2495C12.9216 33.1832 8.76205 31.4076 5.6677 28.3132C2.57335 25.2189 0.797712 21.0593 0.731407 16.7495C0.665104 12.4397 2.31356 8.33282 5.31415 5.33224ZM11.3025 21.22C11.1149 21.4076 11.0119 21.6643 11.016 21.9336C11.0202 22.203 11.1312 22.463 11.3246 22.6564C11.518 22.8497 11.7779 22.9607 12.0473 22.9649C12.3166 22.969 12.5733 22.866 12.7609 22.6784L20.9534 14.4859L21.0468 20.652C21.051 20.9217 21.1621 21.182 21.3557 21.3756C21.5494 21.5693 21.8097 21.6804 22.0794 21.6845C22.3491 21.6887 22.6061 21.5855 22.7939 21.3977C22.9816 21.21 23.0848 20.953 23.0806 20.6833L22.9481 12.0654C22.9462 11.9318 22.918 11.7991 22.865 11.6749C22.8121 11.5506 22.7354 11.4373 22.6395 11.3414C22.5436 11.2455 22.4303 11.1688 22.3061 11.1159C22.1818 11.063 22.0491 11.0347 21.9155 11.0328L13.2976 10.9003C13.0279 10.8961 12.7709 10.9993 12.5832 11.187C12.3954 11.3748 12.2922 11.6318 12.2964 11.9015C12.3005 12.1712 12.4117 12.4315 12.6053 12.6252C12.7989 12.8188 13.0592 12.9299 13.3289 12.9341L19.495 13.0275L11.3025 21.22Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b3ad51 e-con-full e-flex e-con e-parent\" data-id=\"1b3ad51\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e210fee elementor-widget elementor-widget-image\" data-id=\"e210fee\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"220\" height=\"146\" src=\"https:\/\/americangulf.com\/wp-content\/uploads\/2025\/09\/Group.png\" class=\"attachment-full size-full wp-image-2982\" alt=\"Values That Built Us\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-167694d e-con-full e-flex e-con e-parent\" data-id=\"167694d\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-b06ac06 e-flex e-con-boxed e-con e-child\" data-id=\"b06ac06\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eddb72c elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"eddb72c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Choosing Our Fixed Annuity<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3edda5f e-grid e-con-full e-con e-child\" data-id=\"3edda5f\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-902c837 e-con-full e-flex e-con e-child\" data-id=\"902c837\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1214997 elementor-widget elementor-widget-heading\" data-id=\"1214997\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Protection of Your Principal<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1029fc elementor-widget elementor-widget-text-editor\" data-id=\"d1029fc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Your money is guaranteed to grow at a predetermined compounded rate for the full term of your contract.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61e6293 e-con-full e-flex e-con e-child\" data-id=\"61e6293\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d8aea8d elementor-widget elementor-widget-heading\" data-id=\"d8aea8d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Guaranteed Interest Rate<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36f9071 elementor-widget elementor-widget-text-editor\" data-id=\"36f9071\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>An American Gulf fixed annuity protects your initial payment from fluctuations in the market, and your growth is guaranteed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cc74de4 e-con-full e-flex e-con e-child\" data-id=\"cc74de4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b2a4e89 elementor-widget elementor-widget-heading\" data-id=\"b2a4e89\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Tax-Deferred Growth<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2108fab elementor-widget elementor-widget-text-editor\" data-id=\"2108fab\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Earnings in a fixed annuity grow tax-deferred, meaning you pay taxes only when you withdraw the interest, not as it\u2019s earned.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39de475 e-con-full e-flex e-con e-child\" data-id=\"39de475\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a0c4b57 elementor-widget elementor-widget-heading\" data-id=\"a0c4b57\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Option for Lifetime Income<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-969f501 elementor-widget elementor-widget-text-editor\" data-id=\"969f501\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can choose to receive guaranteed monthly payments over a specified period or for the rest of your life.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f10ffcf e-con-full e-flex e-con e-parent\" data-id=\"f10ffcf\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b7638ef e-flex e-con-boxed e-con e-child\" data-id=\"b7638ef\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1aa4d4b e-con-full e-flex e-con e-child\" data-id=\"1aa4d4b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-631ab19 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"631ab19\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Could \nYour <br><span style=\"color:#477CA3\">Annuity<\/span> Do?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5740fb elementor-widget elementor-widget-heading\" data-id=\"a5740fb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Estimate your Retirement Income<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-539ff92 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"539ff92\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Run a quick scenario and see how an annuity could fit your plan.<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d2d77c4 elementor-widget-tablet__width-initial elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"d2d77c4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"263\" height=\"242\" src=\"https:\/\/americangulf.com\/wp-content\/uploads\/2025\/09\/Layer_4_1_1_.png\" class=\"attachment-large size-large wp-image-3067\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0090830 e-con-full e-flex e-con e-child\" data-id=\"0090830\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7749eb4 e-con-full e-flex e-con e-child\" data-id=\"7749eb4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ec8a3b3 elementor-widget elementor-widget-html\" data-id=\"ec8a3b3\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n  .calculator h2,\r\n  .calculator p {\r\n    text-align: center;\r\n    margin-bottom: 15px;\r\n    color: white;\r\n    font: in;\r\n  }\r\n\r\n  .calculator label {\r\n    display: block;\r\n    margin-bottom: 8px;\r\n    font-size: 14px;\r\n    font-weight: 500;\r\n    color: white;\r\n  }\r\n\r\n  .calculator select,\r\n  .calculator input[type=\"number\"],\r\n  .calculator input[type=\"text\"] {\r\n    width: 100%;\r\n    padding: 10px;\r\n    margin-bottom: 20px;\r\n    border-radius: 4px;\r\n    border: none;\r\n    font-size: 16px;\r\n  }\r\n\r\n  .years-options {\r\n    display: flex;\r\n    justify-content: space-between;\r\n    margin-bottom: 20px;\r\n  }\r\n\r\n  .years-options label {\r\n    flex: 1;\r\n    text-align: center;\r\n    background-color: #5488aa;\r\n    margin: 0 5px;\r\n    padding: 10px;\r\n    border-radius: 10px;\r\n    cursor: pointer;\r\n    transition: background-color 0.3s;\r\n    color: white;\r\n  }\r\n\r\n  .years-options input[type=\"radio\"] {\r\n    display: none;\r\n  }\r\n\r\n  .years-options input[type=\"radio\"]:checked + span {\r\n    background-color: #87c3f2;\r\n    color: #002b45;\r\n    font-weight: bold;\r\n  }\r\n\r\n  .result-box {\r\n    width: 100%;\r\n    padding: 10px;\r\n    font-size: 18px;\r\n    border-radius: 8px;\r\n    border: none;\r\n    margin-bottom: 20px;\r\n  }\r\n<\/style>\r\n\r\n<div class=\"calculator\">\r\n  <p>I live in the state of<\/p>\r\n  <select id=\"state\">\r\n    <option value=\"Alabama\">Alabama<\/option>\r\n    <option value=\"Alaska\">Alaska<\/option>\r\n    <option value=\"Arkansas\">Arkansas<\/option>\r\n    <option value=\"Florida\">Florida<\/option>\r\n    <option value=\"Georgia\">Georgia<\/option>\r\n    <option value=\"Illinois\">Illinois<\/option><option value=\"Indiana\">Indiana<\/option>\r\n    <option value=\"Iowa\">Iowa<\/option>\r\n    <option value=\"Kansas\">Kansas<\/option>\r\n    <option value=\"Kentucky\">Kentucky<\/option>\r\n    <option value=\"Louisiana\">Louisiana<\/option><option value=\"Massachusetts\">Massachusetts<\/option>\r\n    <option value=\"Michigan\">Michigan<\/option>\r\n    <option value=\"Mississippi\">Mississippi<\/option>\r\n    <option value=\"Missouri\">Missouri<\/option>\r\n    <option value=\"Montana\">Montana<\/option><option value=\"Nebraska\">Nebraska<\/option>\r\n    <option value=\"Nevada\">Nevada<\/option>\r\n    <option value=\"New Hampshire\">New Hampshire<\/option><option value=\"North Dakota\">North Dakota<\/option><option value=\"Ohio\">Ohio<\/option>\r\n    <option value=\"Oklahoma\">Oklahoma<\/option><option value=\"Oregon\">Oregon<\/option><option value=\"Pennsylvania\">Pennsylvania<\/option>\r\n    <option value=\"South Carolina\">South Carolina<\/option>\r\n    <option value=\"South Dakota\">South Dakota<\/option>\r\n    <option value=\"Tennessee\">Tennessee<\/option>\r\n    <option value=\"Texas\">Texas<\/option>\r\n    <option value=\"Utah\">Utah<\/option><option value=\"West Virginia\">West Virginia<\/option><option value=\"Wyoming\">Wyoming<\/option><option value=\"Washington DC\">Washington DC<\/option>\r\n  <\/select>\r\n\r\n  <p>I would like to grow<\/p>\r\n  <input type=\"text\" id=\"amount\" placeholder=\"$50,000\" value=\"$50,000\" \/>\r\n\r\n  <p>for a period of years<\/p>\r\n  <div class=\"years-options\" id=\"years\">\r\n    <label><input type=\"radio\" name=\"years\" value=\"5\" \/><span>5<\/span><\/label>\r\n    <label><input type=\"radio\" name=\"years\" value=\"6\" \/><span>6<\/span><\/label>\r\n    <label><input type=\"radio\" name=\"years\" value=\"7\" \/><span>7<\/span><\/label>\r\n  <\/div>\r\n\r\n  <!-- Hidden Growth Rate -->\r\n  <p id=\"money\">and see my money become<\/p>\r\n  <input type=\"hidden\" id=\"rate\" value=\"1.063\" \/>\r\n\r\n  <input type=\"text\" id=\"result\" class=\"result-box\" placeholder=\"$\" readonly \/>\r\n<\/div>\r\n\r\n<script>\r\n  \/\/ Format number as currency\r\n  function formatCurrency(value) {\r\n    if (!value || isNaN(value)) return \"\";\r\n    return \"$\" + Number(value).toLocaleString();\r\n  }\r\n\r\n  \/\/ Calculate function\r\n  function calculate() {\r\n    const amountField = document.getElementById(\"amount\");\r\n    const rate = parseFloat(document.getElementById(\"rate\").value);\r\n    const yearRadio = document.querySelector('input[name=\"years\"]:checked');\r\n    const resultField = document.getElementById(\"result\");\r\n\r\n    let amount = parseFloat(amountField.value.replace(\/[^0-9]\/g, \"\"));\r\n\r\n    if (isNaN(amount) || isNaN(rate) || !yearRadio) {\r\n      resultField.value = \"\";\r\n      return;\r\n    }\r\n\r\n    const years = parseInt(yearRadio.value);\r\n    const futureValue = amount * Math.pow(rate, years);\r\n    resultField.value = formatCurrency(futureValue.toFixed(2));\r\n  }\r\n\r\n  \/\/ Format and trigger calculation when typing amount\r\n  document.getElementById(\"amount\").addEventListener(\"input\", function (e) {\r\n    let raw = e.target.value.replace(\/[^0-9]\/g, \"\");\r\n    if (raw) {\r\n      e.target.value = formatCurrency(raw);\r\n    } else {\r\n      e.target.value = \"\";\r\n    }\r\n    calculate();\r\n  });\r\n\r\n  \/\/ Trigger calculation when selecting years\r\n  document.querySelectorAll('input[name=\"years\"]').forEach((radio) => {\r\n    radio.addEventListener(\"change\", calculate);\r\n  });\r\n\r\n  \/\/ Run once on page load\r\n  window.addEventListener(\"load\", calculate);\r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8a9aee0 e-con-full e-flex e-con e-parent\" data-id=\"8a9aee0\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f5cc2dc e-flex e-con-boxed e-con e-child\" data-id=\"f5cc2dc\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6a67ec4 e-con-full e-flex e-con e-child\" data-id=\"6a67ec4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17f55de elementor-widget-mobile__width-inherit elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"17f55de\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fixed Annuities As a Safety Net<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb9b698 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"bb9b698\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fixed annuities have several major advantages. \u00a0For starters, earned interest is only taxed upon withdrawal, so earnings can grow and compound tax-deferred. They also guarantee a fixed interest rate, independent of market performance changes.<\/p><p>Overall, fixed annuities are the perfect option if you\u2019re seeking a stable and predictable long-term financial plan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d13b5f5 elementor-widget-mobile__width-inherit elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"d13b5f5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Does This Mean?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cba9818 elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"cba9818\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Taxable investments pay annual taxes to the IRS, reducing the amount that can be earned from interest on the investment itself.<\/p><p>On the other hand, a taxed-deferred investment like a fixed annuity stays untouched by taxes, building interest at a fixed rate from the total amount of money invested.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c545413 e-con-full e-flex e-con e-child\" data-id=\"c545413\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6ee967c e-con-full e-flex e-con e-parent\" data-id=\"6ee967c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-e0f3956 e-con-full e-flex e-con e-child\" data-id=\"e0f3956\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-85ac34e e-flex e-con-boxed e-con e-child\" data-id=\"85ac34e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f955324 elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"f955324\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Information for Agents<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b23ffd6 e-con-full e-flex e-con e-child\" data-id=\"b23ffd6\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7029363 e-con-full e-flex e-con e-child\" data-id=\"7029363\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-139b2d8 elementor-widget elementor-widget-heading\" data-id=\"139b2d8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">American Gulf Anchor MYGA<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2febf0e elementor-widget elementor-widget-heading\" data-id=\"2febf0e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Terms: 5, 6 &amp; 7 Years<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-274de03 elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"274de03\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Help clients enjoy growth linked to a market index with no risk of loss and a guaranteed minimum interest rate.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc720ba e-con-full e-flex e-con e-child\" data-id=\"dc720ba\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-98c466c e-grid e-con-full e-con e-child\" data-id=\"98c466c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-270aa8c elementor-widget-mobile__width-inherit elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"270aa8c\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/americangulf.com\/wp-content\/uploads\/American-Gulf-Marketing-Brochure.pdf\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"23\" viewBox=\"0 0 20 23\" fill=\"none\"><path d=\"M19.4714 8H14.138V0H6.13802V8H0.804688L10.138 17.3333L19.4714 8ZM0.804688 20V22.6667H19.4714V20H0.804688Z\" fill=\"#01344B\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Product Brochure<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/americangulf.com\/wp-content\/uploads\/American-Gulf-Product-Spec-Sheet.pdf\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"23\" viewBox=\"0 0 20 23\" fill=\"none\"><path d=\"M19.4714 8H14.138V0H6.13802V8H0.804688L10.138 17.3333L19.4714 8ZM0.804688 20V22.6667H19.4714V20H0.804688Z\" fill=\"#01344B\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Product Highlights<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/americangulf.com\/wp-content\/uploads\/American-Gulf-State-Availability-v1.11.pdf\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"23\" viewBox=\"0 0 20 23\" fill=\"none\"><path d=\"M19.4714 8H14.138V0H6.13802V8H0.804688L10.138 17.3333L19.4714 8ZM0.804688 20V22.6667H19.4714V20H0.804688Z\" fill=\"#01344B\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">States Availability<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/americangulf.com\/wp-content\/uploads\/American-Gulf-Rate-Sheet-1.pdf\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"23\" viewBox=\"0 0 20 23\" fill=\"none\"><path d=\"M19.4714 8H14.138V0H6.13802V8H0.804688L10.138 17.3333L19.4714 8ZM0.804688 20V22.6667H19.4714V20H0.804688Z\" fill=\"#01344B\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Rate Sheet<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9654285 e-con-full e-flex e-con e-child\" data-id=\"9654285\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1dfe4a8 e-con-full e-flex e-con e-parent\" data-id=\"1dfe4a8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e8703b6 elementor-widget elementor-widget-image\" data-id=\"e8703b6\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"110\" height=\"73\" src=\"https:\/\/americangulf.com\/wp-content\/uploads\/2025\/05\/Group3.png\" class=\"attachment-full size-full wp-image-225\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-47697cd e-con-full e-flex e-con e-parent\" data-id=\"47697cd\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ecf6cca elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"ecf6cca\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions?<br>We\u2019re Here to Help<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8320e8 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"e8320e8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Whether you are exploring your first annuity or looking to grow your preneed offering, our team is ready to guide you every step of the way.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78a70af elementor-align-center elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"78a70af\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/americangulf.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"34\" height=\"34\" viewBox=\"0 0 34 34\" fill=\"none\"><path d=\"M5.31415 5.33224C8.31473 2.33166 12.4216 0.683194 16.7314 0.749498C21.0412 0.815802 25.2008 2.59144 28.2951 5.68579C31.3895 8.78014 33.1651 12.9397 33.2314 17.2495C33.2977 21.5593 31.6493 25.6662 28.6487 28.6668C25.6481 31.6673 21.5412 33.3158 17.2314 33.2495C12.9216 33.1832 8.76205 31.4076 5.6677 28.3132C2.57335 25.2189 0.797712 21.0593 0.731407 16.7495C0.665104 12.4397 2.31356 8.33282 5.31415 5.33224ZM11.3025 21.22C11.1149 21.4076 11.0119 21.6643 11.016 21.9336C11.0202 22.203 11.1312 22.463 11.3246 22.6564C11.518 22.8497 11.7779 22.9607 12.0473 22.9649C12.3166 22.969 12.5733 22.866 12.7609 22.6784L20.9534 14.4859L21.0468 20.652C21.051 20.9217 21.1621 21.182 21.3557 21.3756C21.5494 21.5693 21.8097 21.6804 22.0794 21.6845C22.3491 21.6887 22.6061 21.5855 22.7939 21.3977C22.9816 21.21 23.0848 20.953 23.0806 20.6833L22.9481 12.0654C22.9462 11.9318 22.918 11.7991 22.865 11.6749C22.8121 11.5506 22.7354 11.4373 22.6395 11.3414C22.5436 11.2455 22.4303 11.1688 22.3061 11.1159C22.1818 11.063 22.0491 11.0347 21.9155 11.0328L13.2976 10.9003C13.0279 10.8961 12.7709 10.9993 12.5832 11.187C12.3954 11.3748 12.2922 11.6318 12.2964 11.9015C12.3005 12.1712 12.4117 12.4315 12.6053 12.6252C12.7989 12.8188 13.0592 12.9299 13.3289 12.9341L19.495 13.0275L11.3025 21.22Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get in Touch<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab7ad9a e-con-full e-flex e-con e-parent\" data-id=\"ab7ad9a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>GuaranteedIncome,ProtectedFor Life What Are Fixed Annuities? Fixed annuities offer a secure, low-risk way to grow tax-deferred money for retirement. Fixed annuities, like a multi-year guaranteed annuity (MYGA), can be a smart choice as part of a diversified retirement portfolio, and will allow you to grow money safely for a period of time until you\u2019re ready [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":6323,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6402","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/pages\/6402","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/comments?post=6402"}],"version-history":[{"count":347,"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/pages\/6402\/revisions"}],"predecessor-version":[{"id":9802,"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/pages\/6402\/revisions\/9802"}],"up":[{"embeddable":true,"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/pages\/6323"}],"wp:attachment":[{"href":"https:\/\/americangulf.com\/es\/wp-json\/wp\/v2\/media?parent=6402"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}