Annuity an inflation-adjusted stream of income 

Annuity: Lifetime Paycheck That Keeps Up with Inflation

When I turned 65, I had the classic retirement question: Will my money last as long as I do?

I had savings, a modest pension, and Social Security on the way—but none of it gave me certainty. What I really wanted was income I could never outlive—and better yet, income that would grow over time to keep up with rising costs. (Annuity: Lifetime Paycheck That Keeps Up with Inflation —ensuring your money lasts as long as you do.)

That’s when I found the RetirementPAYDAY Annuity from The Policy Shop. It didn’t just promise me lifetime income—it offered an inflation-adjusted stream of income, and that made all the difference.

The Silent Killer: Inflation in Retirement

Even at 3% inflation, your money loses half its purchasing power in 24 years. That’s the danger many retirees overlook.

Your grocery bill, rent, travel expenses—all of it creeps up slowly, until your fixed income starts to feel very, very tight. I didn’t want to be 80 and suddenly choosing between prescriptions and the power bill.

According to U.S. Bureau of Labor Statistics, the average inflation rate over the last 30 years has hovered around 2.5%–3.5%. But as we saw in 2022 and 2023, it can spike fast—and hit hard.

RetirementPAYDAY’s Inflation-Protected Income: How It Works

This annuity offered something I couldn’t find in most traditional investments: income that increases over time.

Here’s how it works:

• You can choose to receive guaranteed monthly income for life.
• With the inflation rider, that income grows each year—either at a fixed percentage (like 2% or 3%) or based on a Consumer Price Index (CPI) benchmark.
• Payments never drop—even if the market does.

My Setup:

I selected a 3% inflation rider. My first-year monthly income was $2,000. By year 10, it’s projected to be over $2,700/month. That’s powerful peace of mind.

Why This Feature Stood Out to Me

The RetirementPAYDAY Annuity didn’t just help me “preserve” my savings—it transformed them into a reliable income stream that grows every year.

What I love about it:

• 📅 Lifetime Guarantees – I’ll never outlive my income.
• 📈 Inflation-Adjusted Payments – I maintain my lifestyle, even as prices rise.
• 🛡️ Risk-Free Growth – No market exposure, no stress.
• 💬 Clarity & Customization – The Policy Shop walked me through every scenario.

This Annuity vs. Other “Income Plans”

Planning Tip: Start Sooner Than Later

If you’re in your late 50s or early 60s, now’s the time to start looking. The earlier you secure your policy, the higher your base income and growth potential. This article helps explain how to evaluate long-term financial growth tools effectively.

FAQs Annuities

Q: Can I outlive my money with this annuity?

A: No. That’s the beauty of the guaranteed lifetime income—it pays you as long as you live.

Q: What if inflation spikes above 3%?

A: Some riders tie growth to the CPI, so your income adjusts with real-world inflation, not just a flat rate.

Q: Can both me and my spouse receive income?

A: Yes, there’s a joint-life payout option that ensures income continues for your partner.

Q: Is there a fee for the inflation rider?

A: Most riders have a small cost, but the benefit of rising income far outweighs the nominal fee over time.

Final Thoughts: My Paycheck for Life—and Then Some

I no longer worry about how long my money will last—or whether it will keep up with inflation. Every month, I receive a check that grows, just like my peace of mind.

If you’re looking for retirement income that’s guaranteed and keeps pace with rising prices, the RetirementPAYDAY Annuity could be your game-changer.

📞 Connect with a RetirementPAYDAY specialist at The Policy Shop to explore your options today. Schedule your free consultation here.