Florida's Independent Guide to Annuities and Retirement Asset Protection
A reference resource for Florida residents navigating annuities, creditor protection, retirement income, and estate planning. Written by a licensed Florida agent. No sales pressure. No affiliation with any single carrier.
Legally Protected
Florida Statute 222.14 makes annuities 100% exempt from creditor claims
Truly Independent
No affiliation with any single carrier or product line
Licensed in Florida
All content written and reviewed by License #W942527
Everyone comes here with a different fear. Start with yours.
Will my money die before I do?
Most retirement accounts weren't built for 30-year retirements. A fixed indexed annuity creates income you cannot outlive — here's what that actually looks like with current rates.
See how FIAs work →Can a nursing home take everything I built?
In Florida, the answer depends entirely on where your money sleeps at night. One legal tool changes everything — and most attorneys won't mention it because they don't sell it.
Learn about Florida's asset shield →If I get sued, is my 401k safe?
Your brokerage account is reachable. Your bank account is reachable. Your Florida annuity is legally untouchable. Florida Statute 222.14 isn't a loophole — it's been law for decades.
Read about FS 222.14 →I'm over 60 and getting divorced. Now what?
Gray divorce is a financial reset at the worst possible time. Here's how to turn a settlement into income that lasts — and protect it from creditors while you're at it.
The gray divorce guide →The Florida Law Most Retirees Have Never Heard Of
Somewhere in the fine print of Florida Statute 222.14 is one of the most powerful retirement protections in the country — and the vast majority of people reaching retirement age have no idea it exists. The law is simple: annuity contracts and life insurance cash values held by Florida residents are 100% exempt from attachment, garnishment, or legal process. That means creditors cannot touch them. Nursing homes cannot force you to spend them down. And in most cases, they pass outside of probate entirely. We wrote the most complete guide to this law on the internet. No legal jargon. No sales pitch at the end. Just a clear explanation of what it means for your specific situation.
Read the full Florida 222.14 guide →Two tools we built that you won't find anywhere else
Florida Retirement Income Calculator
Enter your savings, your age, and when you want income to start. See what a fixed indexed annuity actually pays versus leaving that money in a CD or savings account — side by side, with real current rate assumptions. Drag the longevity slider to see what happens if you live to 95. Watch what a 30% market crash does to each strategy. No email required.
Try the calculator →Florida Asset Vulnerability Scanner
Answer 5 questions about where your money currently lives. We'll show you exactly how much of it is exposed to creditors, nursing home costs, and probate under Florida law — and what moving it would actually change. Takes 5 minutes. No email required to see your results.
Take the quiz →This guide was built for a specific kind of person
You're somewhere between 55 and 75. You've spent decades building something — a business, a career, a portfolio — and you're not willing to lose it to bad advice, a lawsuit, a nursing home bill, or just the wrong financial product at the wrong time.
You've probably sat through a seminar. You've probably had a product pitched to you by someone who kept talking over your questions. And you left feeling like the solution might actually be right for you — but the person selling it definitely wasn't.
That's exactly why this exists. FloridaAnnuityGuide.com isn't a lead mill. It's not a comparison engine that sells your information to twelve agents at once. It's a single licensed Florida agent who built the resource she actually wished existed — and who'll talk to you like a person when you're ready.
Ready to talk to an actual human?
When you've read enough and you want someone to look at your specific situation — not pitch you a product, but actually look at your numbers — that's what the free plan review is for. Twenty minutes. No obligation. No follow-up calls unless you want them. Just an honest conversation about whether an annuity makes sense for you, which type, and what to watch out for.
Recently Published
New articles added regularly. All written by a licensed Florida agent.
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Read more →FloridaAnnuityGuide.com is an independent educational resource operated by a licensed Florida insurance agent (License #W942527). Information provided on this site is for general educational purposes only and does not constitute financial, legal, investment, or tax advice. Annuity products, features, rates, and eligibility vary by carrier and individual circumstances. References to Florida Statute 222.14 and other legal protections are for educational purposes only and do not constitute legal advice. Contacting us does not obligate you to purchase any product. © 2026 FloridaAnnuityGuide.com. All rights reserved.