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Fixed Index Annuity
Guaranteed protection with growth potential

When you’re looking for upside potential

with guaranteed downside protection

A fixed index annuity is a tax-deferred, long-term savings option that provides principal protection in a down market and opportunity for growth. It gives you more growth potential than a fixed annuity along with less risk and less potential return than a variable annuity. A fixed index annuity is a contract between you and an insurance company that provides a series of immediate or deferred payments that can be used for retirement income in exchange for a single or recurring payment, also known as a premium. 

Returns are based on the performance of an underlying index, such as the S&P 500® Composite Stock Price Index, a collection of 500 stocks intended to provide an opportunity for diversification and represent a broad segment of the market. While the benchmark index does follow the market, as an investor, your money is never directly exposed to the stock market.


Who would benefit from an FIA?

The suitability of an FIA depends on an individual's financial goals, risk tolerance, and overall financial situation.

I have rounded up a few ideal candidates below...

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"Are you seeking a reliable source of income during retirement while still having the potential to grow your savings?"

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The FIA's principal protection and potential interest crediting linked to market indices can offer stability and growth potential. If you want to secure a stable income stream during retirement while maintaining a degree of exposure to market growth, an FIA can provide a suitable solution.

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Young Investor with

Long-Term Goals

"Are you looking for a tax-efficient way to grow your savings for the long term while protecting your principal?

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By starting early, you can take advantage of the FIA's potential for long-term growth, as well as the power of compounding. An investor with a  longer investment horizon and is comfortable with limited liquidity while your money builds compound interest, an FIA can offer an opportunity for tax-deferred growth and potential market-linked returns.

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For risk-averse individuals who prioritize capital preservation, an FIA can provide peace of mind. If you seek stability and want to avoid potential market downturns, an FIA can offer downside protection while still providing the potential for modest returns through index-linked interest crediting.

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Risk-Averse Individual

"Do you want to protect your hard-earned money from market volatility while still having the potential for growth?

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Pre-Retiree Planning for Income

"Are you concerned about outliving your retirement?

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By utilizing an FIA with a lifetime income rider, you can create a guaranteed income stream during retirement. If you are concerned about outliving your savings and want to ensure a steady income source, an FIA with a lifetime income rider can provide a reliable solution.

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Conservative Wealth Accumulator

"Do you want to protect your wealth from market volatility while participating in potential market gains?

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If you are aiming to protect your assets while participating in potential market gains and want to shield your capital from market volatility while still benefiting from potential interest credits linked to market indices, an FIA can provide a balanced approach to wealth accumulation.

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