We Work for You — Not the Insurance Companies

LifeAnnuities.us is an independent annuity guidance service helping Americans secure guaranteed retirement income since 2001.

Our Story

We started LifeAnnuities.us because we saw too many retirees getting bad advice about annuities. Insurance salespeople pushed products that were good for commissions but not for clients. Financial advisors dismissed annuities entirely because they couldn't charge management fees on them.

We believed there was a better way: independent, unbiased guidance that puts the client first. No product pushing. No scare tactics. Just honest information and access to the best rates from top-rated carriers.

Today, we've helped thousands of Americans find the right annuity for their situation — or decide that an annuity isn't right for them. Either way, our job is to make sure you have the information you need to make a confident decision about your retirement.

Phil Barker, Annuity Expert at LifeAnnuities.us

Meet Phil Barker, Your Annuity Expert

Phil is an annuity expert dedicated to helping people navigate the annuity landscape. He's the person you'll talk to when you call, the expert behind our guides, and the one who personally reviews every quote we send out.

Before starting LifeAnnuities.us, Phil built one of Canada's leading annuity practices at LifeAnnuities.com. He saw first-hand how confusing the annuity market was for everyday retirees — and how the industry's incentives often worked against the client.

His approach is simple: compare rates from every top-rated carrier, explain the options in plain English, and let you decide. No pressure, no hidden agendas. If an annuity isn't right for your situation, he'll tell you that too.

What We Stand For

Four principles that guide everything we do.

Independence

We're not owned by any insurance company. We compare rates from 8+ top carriers to find the best fit for your situation — not the highest commission for us.

Transparency

No hidden fees, no confusing jargon, no pressure. We explain everything in plain English and show you exactly what you're getting before you commit to anything.

Expertise

We are experts in annuities and retirement planning. We've helped thousands of Americans make informed decisions about their retirement income.

Service

Every person who contacts us gets personalized attention from a licensed annuity specialist — not a call center. Your questions deserve real, thoughtful answers.

Trusted by Americans in all 50 states

A+ Rated Carriers
Annuity Experts
No-Obligation Quotes
Independent & Unbiased
Phil Barker

Speak with an annuity expert today

Phil Barker, our lead annuity expert, will answer your questions and help you find the right annuity for your retirement goals.