Enjoy your retirement with a peace of mind!

 If you’re looking for safer financial instruments than the stock market, a fixed index annuity may be of interest. Fixed index annuities allow you to keep hard-earned money protected while enjoying tax-deferred growth for your money based on an underlying index benchmark.

Via a fixed index annuity, you’ll have the ability to take advantage of index-linked growth. You can enjoy some growth potential for your money, balance protection with the risk of other (and more volatile) assets like stocks, and prepare for a financially confident future. 

Like other annuities, a fixed index annuity is an insurance contract you own. It’s a fixed annuity which earns interest or provides benefits linked to the performance of an equity index. Examples of indices are the S&P 500®, the NASDAQ®, or the Dow Jones Industrial®. 

To be clear, fixed index annuities do not directly participate in any financial markets.

The value of the index may be tied to a stock index or another index. When the index records positive change, interest is credited to your annuity’s value. This interest rate is calculated using a formula based on linked index changes. It also comes with a minimum guaranteed interest rate so your principal stays protected in the event of negative index changes.

• They offer tax deferred growth
• They don't have annual contribution limits as long as they are flexible premium FIAs
• There is a guaranteed death benefit for your beneficiaries (estate planning solution)
• There are no penalties for mandatory distributions at age 72
• They give you the option of receiving a guaranteed income for life, called annuitization
• Or they may offer a guaranteed income rider benefit (also called a guaranteed minimum income benefit (GMIB)) for life without having to annuitize
• They may avoid probate