Fixed indexed annuities
Capture market gains while your principal stays protected from downturns
Growth with a safety net
Understand how indexed annuities balance opportunity and protection
Your money grows with market indexes
You invest in a contract that ties your returns to the performance of stock market indexes like the S&P 500. When the index rises, your account gains value. When it falls, your principal stays intact. This structure lets you capture upside while avoiding downside losses.
Three reasons to consider them
Learn what makes indexed annuities work
Principal stays safe in down markets
Your account value never falls below zero
Tax-deferred growth compounds over time
Earnings grow without annual tax drag
Income riders create lifetime paychecks
Guarantee income regardless of market conditions
Built for your retirement years
Indexed annuities work best when you're close to or already in retirement
Lock in growth without sequence risk
If you're five to ten years from retirement, an indexed annuity can protect gains while capturing upside. You avoid the damage of a market crash right before you need the money.
Convert savings into guaranteed income
Already retired? A lifetime income rider turns your annuity into a pension-like paycheck. You get market upside when it happens, but never worry about running out of money.
How indexed annuities work step by step
From funding through income, here's what happens inside your contract. We'll walk you through each stage so nothing feels like a surprise.
Fund it
You deposit a lump sum or series of payments into the annuity contract. This becomes your principal, which is protected from market losses. The carrier invests your money according to your chosen strategy.
Choose indexes
You select which market indexes your returns will track. Common choices include the S&P 500, Nasdaq, or diversified multi-index strategies. Your choice determines your growth potential and risk profile.
Earn credits
Each year, gains are credited based on index performance. If your index rises, you earn a percentage of that gain up to your participation rate and cap. If it falls, you earn zero but lose nothing.
Activate income
When you're ready, add a lifetime income rider to your contract. This guarantees a monthly or annual payment for life, regardless of market conditions or account balance. You control when income starts.
How fees work
Understanding the structure behind your annuity
Questions
Find answers to common questions about fixed indexed annuities
Your principal is protected. Fixed indexed annuities guarantee your account value won't drop below zero, even during severe market downturns. You participate in market gains up to a cap, but losses are never passed to you.
Most contracts have a surrender period, typically 7 to 10 years. During this time, you can access a portion of your funds annually without penalty. After the period ends, full access is available. We'll explain your specific terms during consultation.
Yes. Most contracts allow penalty-free withdrawals of 10 percent annually. Early withdrawals beyond that may incur surrender charges. Some riders offer additional access options. We'll review all available flexibility with you.
The participation rate determines what percentage of index gains you receive. If the index rises 10 percent and your rate is 80 percent, you earn 8 percent. Rates vary by carrier and contract type. Higher rates often come with lower caps.
Yes. Lifetime income riders guarantee a stream of income for life, regardless of market performance or account balance. This is valuable for retirement planning. We can show you how riders work with your specific situation.
Gains are typically credited annually based on the performance of your chosen index. If the index is down, you earn zero but don't lose principal. Caps and participation rates limit your upside. We'll explain the exact crediting method for each option.
More questions?
Visit our full FAQ or contact an advisor
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