Fixed-rate insurance. Honest answers.
Pebyl Financial is the licensed, fixed-only insurance side of the team behind Pebyl — the platform built for K-12 educators, firefighters, and public servants. We teach you how each product works, then we let you decide.
Live carrier rates available by request · Not an offer or solicitation
Plain-English options for teachers & school staff.
No Wall Street jargon. Each card explains what the product actually does for you. Click any card for the full breakdown — including the industry name and the fine print.
Lifetime Paycheck
Turn part of your savings into a paycheck that arrives every month for the rest of your life — like adding a second pension on top of TRS or STRS.
Fixed-Rate Savings
Lock in a set interest rate for a set number of years. You know exactly what you'll earn — no market guessing. (Industry name: MYGA.)
Fixed Indexed Annuity
Credited interest is linked to an external index, subject to caps, spreads, or participation rates set by the carrier. In a negative index year the strategy credits 0%. (Industry name: FIA.)
Life Insurance
Fixed life insurance from state-licensed carriers — whole life, simple permanent, and final-expense options. Death benefits are generally received income-tax-free by beneficiaries.
Pension & 403(b) Rollover
Move eligible 403(b), 457(b), TSP, or pension lump-sum dollars via direct rollover into a fixed-rate IRA contract — no current taxable event when IRS rules are met.
IRAs (Retirement Accounts)
Open or transfer an IRA funded with fixed insurance contracts — not stocks, mutual funds, or variable products. Tax treatment depends on account type and follows IRS rules.
We don't publish live carrier rates on the website. Current MYGA and IRA rates are provided by a licensed agent on request, since carriers change them often and product availability varies by state.
You answer the hard calls. We answer the money ones.
Same questions every week from the people who keep our communities running. We know the pension rules. We know the 403(b) vendors. We know the rollover paperwork.
Pebyl Financial grew out of Pebyl — a free community for public servants.
State retirement guides, calculators, TPA directories, and a vetted professional network — open and free to every educator, firefighter, and officer in the country. Pebyl Financial is the licensed retirement side of that same mission.
Your retirement account, with a fixed-rate inside.
IRA tax treatment depends on your situation. Pebyl Financial doesn't give tax or legal advice. Talk to a CPA or attorney for that part.
Traditional IRA
Contributions may be tax-deductible (subject to IRS rules); earnings grow tax-deferred and withdrawals are taxed as ordinary income.
Learn moreRoth IRA
Contributions are made after tax. Qualified distributions of earnings are federal income-tax-free after the five-year holding period when the owner is age 59½ or older.
Learn moreFixed-Funded IRA
A Traditional or Roth IRA funded with a fixed annuity contract — not stocks, mutual funds, or variable products. Contract terms (rates, surrender charges, riders) are disclosed in writing.
Learn more
The check that keeps showing up — for them, after you.
You didn't take this career for the paycheck. But you do owe somebody — a spouse, kids, grandkids — a plan that doesn't fall apart in a bad year. That's all we build. Plans that don't need a hero, just a contract.
We don't post fake numbers. Get the real ones.
Carrier rates change often and vary by state, age, premium, and product. We'll send the current MYGA, FIA, and SPIA quotes that actually apply to you — straight from the carrier filings, not a generic table.
Request today's carrier rates
A licensed agent pulls live MYGA, FIA, and SPIA rates from the carriers we work with and walks you through what fits. No pressure, no spam.
Annuity contracts include limitations, surrender charges, and potential market value adjustments. AM Best ratings are opinions of financial strength, not recommendations. All guarantees are subject to the claims-paying ability of the issuing insurance carrier.
We focus on what we understand best.
Pebyl Financial is a fixed-product agency. We don't sell mutual funds, variable annuities, or any registered securities. Every policy and contract we present is issued by a state-licensed insurance carrier and laid out in writing on the carrier's own disclosure documents. You get those before you sign anything.
For securities-based products, talk to a registered representative or investment adviser.
Built for the people who serve our communities.
On the ground with the people we serve.
Financial Wellness Nights, district workshops, union roundtables. Pebyl Financial shows up where educators and first responders already gather. Every session is educational, not a sales pitch.
Start with a 10-minute conversation.
A licensed agent will answer your questions. Educational only. No obligation to apply.