Retirement Income Support

Worried about outliving your savings? We’ll help you explore annuities and other retirement income solutions designed to provide stability, flexibility, and peace of mind for you and your family.

What we can do for you

Build a Reliable Income Stream for the Future

Retirement should be a time to enjoy life, not stress about finances. At Dabolt Insurance Agency, we work with clients in Lancaster, York, Berks, and Lebanon Counties to design strategies that support long-term financial security. From guaranteed income through annuities to planning for potential long-term care costs, we’ll help you prepare for the years ahead with options that fit your lifestyle, goals, and budget.

Get the support you deserve

Protective Retirement Annuities

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What can annuities do for me?

Annuities can supplement Social Security and pensions, providing a steady stream of income you can count on. When you purchase an annuity, you enter an agreement with an insurance company to receive regular payments—either for a set period or for the rest of your life.

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Types of Annuities
  • Lifetime Income Annuities: Payments continue for as long as you live, and in many cases, for your spouse as well.
  • Flexible Annuities: Allow you to start, pause, and restart payments based on your needs while earning additional interest during breaks.


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How Annuities Differ from Life Insurance

Life insurance and annuities serve different purposes:

  • Life Insurance: Protects your loved ones if you pass away too soon.
  • Annuities: Protect you from outliving your retirement savings.


Coverage to consider

Long-Term Care Provisions

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Planning for Long-Term Care

Many people avoid thinking about long-term care, but preparing early gives you more choices and protects your family from financial and emotional strain. In Pennsylvania, the costs can be significant:

  • Nursing home care averages around $11,000 per month for a private room.
  • Home health care can cost around $5,000 per month for five days a week of services.


Since 70% of people over 65 will need long-term care at some point, planning ahead is essential.

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Bonus Coverage to Consider

In addition to annuities and long-term care, we also offer supplemental options that can enhance your retirement planning:

  • Accident & Hospital Indemnity plans
  • Short-Term Care coverage
  • Ancillary benefits to complement your primary insurance


These plans add extra layers of protection for life’s unexpected turns.

Retirement Income Questions from Our Clients

Where do I begin?

  • When should I start considering an annuity?

    Many people explore annuities in their 50s or 60s, but the right timing depends on your retirement goals and income needs.

  • Can I still access my savings if I put them into an annuity?

    Some annuities offer flexible withdrawal options, while others are more rigid. We’ll help you choose a plan that matches your comfort level.

  • How does long-term care coverage work?

    It helps pay for services like nursing care, assisted living, or in-home care—reducing the burden on your family and protecting your assets.

  • Do I need both life insurance and an annuity?

    Not everyone does, but combining them can help protect your loved ones now while also securing your future income.