Principal protection
Market index declines do not directly reduce credited contract value, subject to contract terms, withdrawals, charges, and insurer claims-paying ability.
FIXED INDEXED ANNUITIES
Protect what you have built while keeping growth potential in view.
A fixed indexed annuity is an insurance contract designed for long-term retirement needs. It can provide principal protection from direct market losses, tax-deferred growth potential, and optional income features.
FIXED INDEXED ANNUITIES
How a fixed indexed annuity works.
You place premium with an insurance company. The insurer credits interest according to the contract’s fixed account or one or more index-linked strategies. You do not directly own the index or its underlying stocks.
Tax-deferred accumulation
Interest can compound tax-deferred until withdrawn. Taxes may apply when money is distributed.
Index-linked interest potential
Interest crediting may be linked to an external index, subject to caps, participation rates, spreads, and other limits.
Income options
Some contracts offer optional benefits designed to help create retirement income, often for an additional cost.
QUESTIONS WORTH ASKING
Review the details before moving forward.
✓How long is the surrender-charge period?
✓How much can be withdrawn annually without a contract charge?
✓What caps, participation rates, or spreads apply?
✓What do optional riders cost?
✓How strong is the issuing insurer?
✓How does the contract fit your liquidity needs?
START WITH A CONVERSATION
Bring your questions. Leave with greater clarity.
Schedule a complimentary, no-pressure conversation about your goals and options.